Health Maintenance Organizations And High Deductible Plans (Essay Sample)

There are three different types of managed care plans these being; Point of service plans, Health maintenance Organizations and High Deductible Plans (Healthychilden.org, 2015). Health Maintenance Organization has quite a number of advantages to its subscribers this being health insurance of which is set at a monthly cost. It’s made more friendly to its clients in that one has the ability to choose from a list of professional doctors for basic reviews on whom advice further recommendations in the case where a specialist is required. Main advantages of this care plan is that its’ cheap and affordable as only a small amount is chargeable at a monthly cost. For a member with a longer active subscription might not even need to pay to see a doctor. However, the main disadvantage is that the plan is limited to HMO doctors. Externally one has to pay for the services.
POS care plan is set as an incentive for HMO plans where one has the ability to choose an external service provider and still enjoy covered benefits. In this case, the cost of external service providers is subsidized by a certain percentage hence making it more affordable to the subscriber. The main advantage of this care plan is that it offers an extra option still at a manageable cost.
HDP is a direct consumer plan where it involves either a ...