| The two main choices open to you when it
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| | network if they wish to do so, within
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| comes to buying a private medical health
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| | certain limits.
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| insurance plan are traditional indemnity
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| | Unlike a traditional managed care plan,
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| health insurance and managed care. But
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| | the PPO does not assign a patient to a
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| what do you do when neither of these
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| | primary care physician through whom all
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| alternatives meets your needs?
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| | treatment must be taken and from whom a
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| This is one problem which has now been
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| | referral is required for specialist care.
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| recognized by the insurance companies and
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| | This means that the policyholder is free
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| today there is an alternative in the form
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| | to consult any doctor within the network
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| of a Preferred Provider Organization
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| | and can also seek treatment from a
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| (PPO) plan which goes some way towards
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| | specialist outside the network if he or
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| merging the two and providing the
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| | she chooses to do so.
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| benefits of both.
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| | There is a course a price to be paid for
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| The choice up until now has been between
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| | the ability to seek treatment outside of
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| an indemnity plan which essentially
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| | the insurance company's network and
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| provides cover for accidents and
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| | policyholders will normally need to pay a
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| unexpected illness, and which also gives
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| | proportion of their costs when such
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| the policyholder considerable freedom in
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| | treatment is taken.
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| choosing where and when treatment is
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| | This meets the needs of many people who
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| taken, and managed care which focuses on
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| | want the freedom of choice offered by
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| providing everyday medical care, but
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| | indemnity insurance and also meets the
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| restricts the policyholder to seeking
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| | needs of those people who are looking for
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| care within an approved network of
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| | a low cost plan to cover their routine
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| healthcare facilities.
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| | day-to-day medical needs.
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| In essence the new PPO is a managed care
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| | provides information on all aspects of
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| plan and provides relatively low cost
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| | medical health insurance including
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| care in exchange for policyholders
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| | individual and family health insurance
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| seeking care from within the insurance
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| | plans, short term health insurance, expat
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| company's approved network of providers.
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| | medical insurance, health insurance for
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| However, a PPO also allows policyholders
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| | pre-existing conditions and much more.
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| to seek treatment outside of the approved
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