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Unformatted text preview: primary care physician. In PPOs, a visit to a spet does not require a referral. In addition, fees are discounted, but some procedures do require preauthorization. Both PPOs and POS have lower co pays for providers that are in-network and higher co-pays for providers that are out-of-network. A Consumer-Driven Health Plan has similarities to PPOs. They have low premiums but high deductibles. Savings accounts are used for payment of medical bills prior to premiums being met. HMOs, in my opinion, provide greater benefits to providers since patients are limited to in-network providers. Fixed premiums have to be paid by patients for coverage, and these patients can only use the network’s hospital and doctor’s. PPOs appear to be more beneficial for patients. That are able to go to any hospital or see any doctor they wish, but can save money by going to a hospital or seeing a doctor that the PPO plan approves....
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- Spring '10
- Primary care physician, preferred provider organization, Health maintenance organization