Section 14 - HOSPITALIZATION AND HEALTH INSURANCE

1. HEALTH MAINTENANCE ORGANIZATION

Expenses usually covered in full, or there may be a modest co-payment at the time of your visit.

• Group/staff type: you go to a central facility (group health center) to receive care.

• Independent practice association (IPA): Providers work from their individual offices (and are referred to as primary care physicians.)

2. FEE FOR SERVICE PLAN

You or your insurance company are generally billed after each visit.

• Traditional fee for service plan: You may go to any doctor or hospital you choose.

• Preferred Provider Organization (PPO): You are given a list of doctors from which to choose. If you go to a doctor on the PPO list, more expenses are covered than if you go to a doctor not on the list.

3. COMMERCIAL MEDICARE SUPPLEMENT

Voluntary contributory private insurance plan available to Medicare recipients. Covers the costs of deductibles, coinsurance, physician services, and other medical and health services.

4. SPECIAL PURPOSE PLAN

Covers only specific health needs. Examples of special purpose health insurance plans are:

	Dental Insurance		Mental Health Insurance
	Vision Insurance		Dread Disease Policy
	Prescription Drug Insurance

Do not include Medicare Prescription Drug plans.

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Last Modified Date: April 12, 2011