head: Running FEATURES OF HEALTH PLANS
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Features of Health Plans
Cody Turner
HCR 220
5/09/2012
TALITHIA GRAHAM
FEATURES OF HEALTH PLANS
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Features of Health Plans
The similarities between the Point-of-Services (POS) and Preferred Provider Organization (PPO)
is that the patients services will be covered either within the network providers or out-of-network
providers. They both have a higher cost for out-of-network providers. The difference between these two
plans is that the PPO will have discounted on the fees, does not required a referral and required
preauthorization for some procedures. The POS has a lower copayment when it is within their network
and required a primary care physician manages care. The Consumer-Driven Health Plan is similar to the
PPO plan but have a savings account attached to the plan of which the patient paid all services until their
deductible met. is The Indemnity plan offers patients the choice of seeing any providers with little or none
cost of containment but have a higher cost of premium with deductibles and coinsurance as well and
preventive care are not usually covered. The last plan is the Health Maintenance Organization (HMO).
This plan has a low copayment but limited provider network. Required a primary care physician and
required preauthorization but have no payment for out-of-network nonemergency services. I guess that
there are more differences than similarities in these major types of health plans but they do have one
major similarities and that is to benefits the plan holder. I stated this because I believed that none of these
plan offers a greater financial or coverage benefits to either the provider or a consumer. These plans are
only benefits the plan holders.