HMO

H.S.A.

• HMO 
• You pay each time you see or use a health care provider
  • See co-pays
• There is NO maximum limit on your out-of-pocket expenses.
• No out-of-network coverage
• You must live and reside within the H.M.O. service area.
• Moving could result in loss of coverage.

• H.S.A
  H.S.A.'s combine a high deductible major medical policy with a Tax-Favored Savings Account
• Savings account: "save up" deductible
• Savings account: deposits accumulate tax free, Interest earned is tax free
• All medical withdrawals are tax free and account balance rolls over year to year.
• Underlying major medical policy can be either PPO or Non-PPO.

PPO Co-Pay Plans
(Click on Inpatient or Outpatient for Image)

• Inpatient
• Usually no co-pay for hospitalization.
• Deductible & Co-insurance amounts are owed to hospital, doctors, and others.
• Arrangement to pay hospital can usually be paid over time.  

• Outpatient
• Co-pays range from $10 to $100.
• Co-pays are for each service each time.
• Co-pays DO NOT apply to deductible.
• All things being equal, the lower the WPG, the higher the premium.

PPO Discount Plans
(Click on Inpatient or Outpatient for Image)

• Inpatient Care
• Hospital bills discounted.
• Discount applies to all covered expenses.
• All covered expenses apply to deductible and co-insurance.

• Outpatient Care
• Discounted ranging from $5+.
• Discounted payments are for all services until deductible is met.
• All covered payments apply to deductible and co-insurance.
• All things being equal, discount plans are less expensive than co-pay

Major Medical Classical
(Click on Inpatient or Outpatient for Image)

• Inpatient
• Usual, Reasonable, & Customary

• Outpatient
• Usual, Reasonable, & Customary
• Covered Expenses Apply to Deductible.