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Whether you're interested in a Health Management Operator, a Primary Care Provider, or some other health insurance policy for yourself or your business, you need a policy with a company you can trust. Click here for the most trusted insurance site on the web. Click hereInsurance companies hate indemnity plans. Good HMO candidates: people who are young and in good health (especially those planning to marry and/or start a family); families with children; older paramounthealthcare and paramounthealthcare people (who tend to see doctors frequently, who don''t want to physically travel to different specialists and who like one-stop shopping); and those on a tight budget are all bad HMO candidates: People who can''t or who are unwilling to give up medical relationships with doctors outside their HMO. Preferred provider organizations were established as a compromise between indemnity plans and HMOs. PPOs provide managed care but also meet consumer demand for control over whom you see and where you get your services. The insurance company establishes a network paramounthealthcare of providers that are contractually required to care for you. If the doctor, hospital or pharmacy is within the network, you make a small co-payment once you reach the deductible. If you go outside the network, there is usually a much higher deductible and only 80% paramounthealthcare of the "reasonable and customary" costs are covered (you pay the other 20% PPOs are more flexible than HMOs and you can choose to limit your medical costs by using doctors in the network.You don''t have as much choice as with indemnity plans and you don''t know your true costs in advance. paramounthealthcare Good candidates for PPOs: those who already have important doctor/patient relationships that they''re not willing to sacrifice by joining an HMO. There have paramounthealthcare been numerous stories in the local and national news regarding the status of managed care and HMOs in particular. These stories address paramounthealthcare a wide variety of issues from the quality of care provided by HMOs to their financial stability. As a result of this news coverage, you may have questions about medical stuff, like most health plans, has weathered difficult financial times for the past couple years. In order to regain its balance, has worked hard to control medical costs, keep administrative costs low and price its products appropriately. These strategies have dramatically improved the Company''s financial position over the past 15 months. In fact, during last year, they achieved an operating margin of 1.7%. ©2003 www.eparamounthealthcare.com. All rights reserved. |