When choosing insurance plan there are different options to choose from: PPO, HMO or HSA. Do you know the difference between the three? Here are mini descriptions of each option is and what is offered.
PPO: Preferred Provider Organization
This plan is usually the most costly each month but allows the patient to choose which specialty and primary doctors they would like to go to in or out of the network. The preferred part of this plan means that it will contribute more towards the cost of in-network doctors; however you can choose to see some one out-network with a slight cost difference. Overall you dont have to compromise between seeing a doctor you prefer and costs.
HMO: Health Maintenance Organization
This type of insurance option is usually the most affordable however can be restrictive and not convenient for those with serious health conditions. This plan is significantly lower monthly than a PPO plan because it dictates a strict network of primary care providers and specialist. Anything out-network is not covered by this plan and will have to be paid out of pocket.
HSA: Health Savings Account
Unlike the HMO and PPO plans this plan allows for a much more individual approach to health care. This account is used to cover any medical expenses a customer may have while on the plan. This account sets up a special savings account and when medical costs arise it is used to pay for those costs (procedures or prescriptions). However, deductibles and copays are significantly high when compared to HMO and PPO plans and if an unforeseen serious medical problem arises the cost out of pocket can be expensive.
Most offices such as San Diego Chiropractors will check insurance benefits for you and let you know if there is any coverage. Call your local San Diego Chiropractors
to find out if you have available benefits!