I am currently trying to choose a healt insurance plan for 3 employees. and am not sure what to go with a hmo (i think i heard there bad) ppo or a pos i dont really know the difference? please help i have to make this decision my self and am not sure where to begin i think sorting this one thing would help. Thanks
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Kris gave you a good answer. Here is the scoop on POS plans A Point of Service plan combines characteristics of the HMO and the PPO. Like an HMO, you usually only have a minimal co-payment when you use a health care provider within your network. You also must choose a primary care physician who is responsible for all referrals within the POS network. If you choose to go outside the network for health care, POS coverage functions more like a PPO. You will likely be subject to a deductible (around $300 for an individual or $600 for a family), and your co-payment will be a substantial percentage of the physician's charges (usually 30-40%). This is a good resource with further info on HMO, PPO and POS plans http://www.agencyinfo.net/iv/medical/typ…
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