PPO or HMO did you know that you may be a part of one of these two types of health insurance plans and may not even know it? Many health insurance companies have stopped using these terms as a way to avoid the stigma attached to them, however that doesn't mean that you aren't in one of these plans and just don't know it.
Many companies are opting for using one of these two lower cost insurance options. It can be helpful as if you use doctors in the plan they will be covered at a much higher percentage and of course this type of plan also helps to save your company money on the health insurance premiums as well.
If you are in one of these plans the best way to find out is to look over your health insurance plan or contact your insurance company directly. If they offer you a higher rate of insurance to use a certain set of providers then you are in either a PPO or HMO plan.
The reason you need to know this information is that you could be paying a lot more than you have to for regular office visits and treatments that might be covered at a higher percentage or may even be free if you were to choose from one of the pre-selected providers on the insurance company's list. Using one of these providers can save you a lot of money and not just on your visits to the medical doctor but on the eye doctor, contacts, eye glasses, dental visits and much more.
If you feel that your health insurance benefits and coverage are not all they should be check your health insurance policy out. It may just be that you are using a provider that is costing you more and while many people like to choose their own medical doctor others might forego care in light of the higher costs. It is important that you check further to make sure that you are receiving the maximum benefit for your money. After all you are paying the premiums so it just makes sense that you are able to take full advantage of all the benefits they afford you.