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When Neither Indemnity Health Insurance Nor Managed Care Meets Your Needs

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




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