Group Health Insurance Plans – Health Insurance For Companies – Employer Sponsored Health Coverage
With a Preferred Provider Organization, employees are allowed to self-refer to any provider in the network.
Point of Service is very similar to an HMO in-network plan. A “gatekeeper” referees cases to other in-network providers.
Health Maintenance Organization uses a primary care physician to direct all health care. HMO plans focus on wellness and preventive medicine.
Indemnity Traditional Coverage
The insured individual is free to use the doctor, clinic, or hospital of their choice.