United Healthcare HMO Ohio

Indemnity vs. Preferred Provider Organization (PPO) vs. Health Maintenance Organization (HMO)

Private health insurance refers to policies that come from companies that are not government funded. United Healthcare Insurance Company offers many different types of plans, such as indemnity, PPO and United Healthcare HMO. Let's talk about the difference between these types of plans.

Indemnity vs. Preferred Provider Organization (PPO) vs. Health Maintenance Organization (HMO)

With an indemnity plan, the member pays a percentage of the charges for medical care, usually after an annual deductible has been met. Members may go to any doctor of their choosing. A PPO plan often has a deductible and co-insurance also. However, members get higher benefits if they go to a doctor within the preferred provider network organization. Those with a United Healthcare HMO Ohio plan have less freedom in choosing a doctor. Members of a United Healthcare HMO Ohio plan must designated one doctor as their Primary Care Physician. All medical care must be initiated by that United Healthcare HMO physician. There is usually a smaller number of doctors in the United Healthcare HMO network. However, there is usually no deductible. Members pay a very small co-payment, lower than with PPO and indemnity plans. The United Healthcare HMO Ohio plan pays the rest of the charge.

Advantages and Disadvantages of a United Healthcare HMO Ohio Plan

Although many people see having a primary care physician as a disadvantage of an United Healthcare HMO plan, it can be an added benefit to people with complex medical needs. There are advantages to having one United Healthcare HMO primary care physician who is very familiar with your specific medical problems and can make sure that all other specialists involved are working towards the same goal. Also, having a United Healthcare HMO primacy care physician monitoring all medications can prevent problems stemming from drug interactions. It is also a wonderful thing to have a primary care physician who you feel comfortable with, and who knows you well and can therefore, diagnose any potential problem early, based on subtle changes that seeing multiple doctors may not allow. United Healthcare HMO Ohio plans tend to have lower premiums because the network physicians agree to reduced fees. So, the low cost makes United Healthcare HMO plans very attractive to those on a fixed income or limited budget.

United Healthcare HMO Ohio plans are also a viable option for employers and business owners because of their low cost. United Healthcare HMO plans still offer coverage for most health services, with a low deductible and low co-payment.

Summary: If you are thinking of an affordable health insurance plan, you can't go wrong with a United Healthcare HMO Ohio plan. Check to make sure your doctor is part of the United Healthcare HMO Ohio network.