Insurance PPOs

Paper Summary:

This paper discusses the affordability of health care in the U.S. It suggests that health care is unaffordable to a sector of society and goes on to discuss health insurance options. It focuses on one such plan - the PPO, or in other words, the preferred provider organizations. The paper discusses the pros and cons of such a plan.

From the Paper:

"One such plan is the PPO, or in other words, the 'Preferred Provider Organizations'. This plan gives its policyholders a financial initiative and incentive to stay within the plan, in the form of reasonable co-payments, also known as co-pays. In general, all insurance plans use certain terms to describe their policies, and one must understand them to a certain extent before choosing the best one. Some such terms are 'deductibles', which is the amount of money to be paid before enjoying the plan's benefits, 'co-insurance', which is the amount to be paid by the insured before the insurance begins to pay, and 'out of pocket' which is the amount of money that the individual has to pay out of his own pocket. (What does that mean? Understanding Health Insurance Terms)"

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