Health:
Health Maintenance Organization (HMO):
- Members must choose a primary care physician (PCP) and may have to get referrals to see specialists.
- Emphasizes preventive care.
- Typically has lower out-of-pocket costs but limited flexibility in choosing healthcare providers.
Preferred Provider Organization (PPO):
- Offers a network of healthcare providers, but members can also see out-of-network providers at a higher cost.
- Generally, no need for referrals to see specialists.
- Provides more flexibility than HMO plans.
Dental:
Preventive Care:
- Typically covers routine services like dental exams, cleanings, and X-rays.
- Encourages preventive measures to maintain oral health.
- Basic Services:
- Includes coverage for common dental procedures such as fillings, extractions, and root canals.
- Coverage levels may vary, and there may be waiting periods for certain services.
Preferred Provider Organization (PPO):
- Offers a network of dentists with negotiated fees.
- Members can see out-of-network dentists, but at a higher cost.
Health Maintenance Organization (HMO):
- Requires members to choose a primary dentist from a network.
- Generally has lower out-of-pocket costs but less flexibility in choosing providers.
