Managed care is certainly the most common type of health care that is available today. It uses a network of providers who have contracted to provide services at a predetermined price. This makes it easier for both providers and for patients. You know ahead of time what things will cost. At R&R Insurance Group LLC in Quakertown, PA, we are here to help our customers to make the right decision about their health insurance. As independent insurance agents, we can provide more options and we offer a variety of different companies and products.
Types of Managed Care
The initials HMO stand for Health Maintenance Organization and this type of managed care is the one that most people have. It is usually the least expensive, which may explain why it is popular, even though it is the most restrictive. An HMO requires that you choose a primary care physician from within the network. You need to check before you pick your health insurance that your primary care doctor is in the network. You need them to refer you to any specialist you may need to visit.
If you like having more control over your health care, a Preferred Provider Organization is the better option for you. With this type of plan, you don’t need to have a primary care physician managing your medical care. You won’t need a referral to see a specialist but you will get the best rate for staying within the network. But if you want, you can go outside the network.
Point of Service managed care is a combination of both HMO and PPO. You can go outside the network but you need a primary care physician and referrals to visit a specialist.
Contact R&R Insurance Group LLC in Quakertown, PA when you are ready to discuss your health insurance.