When it comes to choosing health insurance, there really is no “right” choice for everyone. Neither EPOs nor PPOs are better than the other. It is about what an individual needs when it comes to his health care provider. EPOs and PPOs are somewhat similar; both plans allow the freedom to see a specialist without a referral. However, according to About, with an EPO all expensive services must be pre-authorized.Know More
Pre-authorized services include hospitalization, surgery, CT scans and MRIs. In some cases a doctor may offer to help with the pre-authorization, but it is generally left up to the patient. Without pre-authorization an EPO may not pay for expensive procedures at all. They also do not pay for out-of-network services. The only exceptions are for emergency or urgent care.
PPOs usually have higher premiums than EPOs because they offer a wider network of doctors and specialists. There is also the option to go out-of-network, though there may be an out-of-pocket cost. The benefits may also decrease when using an out-of-network service. There are three main types of health plans: EPO, PPO, and HMO. EPO stands for exclusive provider organization. PPO means preferred provider organization, and HMO represents health maintenance organization.Learn more about Health Insurance
Preferred provider organization (PPO) health insurance generally has a large network of contracted doctors that a patient may select. Patients may also choose to see doctors outside of their network, but they pay a higher copayment for appointments with these doctors. Because preferred provider organization health insurance doesn't require a referral from a primary care doctor, it is considered one of the most flexible types of health insurance.Full Answer >
A pre-existing condition is a medical condition that an individual has prior to obtaining health insurance. Insurance companies define what conditions are classified as pre-existing.Full Answer >
If you have health insurance, you can receive a free flu shot because of regulations in the Affordable Care Act. You are not required to pay a copayment or deductible as it is preventive care, which by law insurance companies are required to fully pay, according to HeathCare.gov.Full Answer >
The Patient Protection and Affordable Care Act of 2010, colloquially known as "Obamacare," requires that all Americans obtain health insurance. It also adds regulations to the health care industry and makes a number of reforms.Full Answer >