There are several types of health insurance plans available in Arizona. Below is a brief summary of the three most common low cost plans
1.Health Maintenance Organization (HMO): This is a common type of health insurance plan and is usually less expensive than PPO or PPOS. They were created in an attempt to defray the rising cost of 0insurance and health care. In essence, the network of doctors and health service providers agree to offer their services at a reduced cost that is offset by the increase number of patients that will utilize these doctors through their health plan.
HMOs require the patient to use doctors, hospitals, specialists that are in the HMOs network. Care is coordinated through a primary care physician that will decide whether or not the services of a specialist are required. If the primary care physician deems that in fact the services of the specialist are required, he/she will write a referral so that the specialist visit will be insured. Without a referral, the services performed by the specialist may not be covered.
2.Preferred Provider Organization (PPO): Unlike an HMO, PPOs allow its participants to see any doctor they wish....
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