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
United Medical Resources is not a provider of health insurance, but it is a third-party administrator who works on behalf of employers to process medical insurance and other benefit program claims of their employees, according to the official company website. UMR is headquartered in Cincinnati, Ohio, but offers services nationally.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 >
To qualify for a free shingles vaccine through the Merck Vaccine Patient Assistance Program, a person must meet the age requirement, be a resident of the United States and have no health insurance. The patient must also not have a high income.Full Answer >
The RelayHealth patient portal does not list any specific requirements that indicate it is only for those with health insurance. In fact, the RelayHealth patient portal is used for service providers and patients. The site allows patients to communicate with their medical service providers via a secure website.Full Answer >