Insurance

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Submitted By TinaR11427
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1. I feel that an HMO plan would work best for the single parent household. When compared to the PPO plan the HMO plan offered a no deductible plan and I felt that because we are dealing with a family that will need more services an HMO plan would be a better bang for their buck. If you were to compare the HMO plan versus the PPO according to the documents for autism services it is covered at 80% after the calendar year deductible has been satisfied however the remaining 15% is at a contracted rate that is basically unknown until the services are rendered. With the HMO plan there is a flat and straight amount that is needed. The child with the ear infections also the numbers regarding urgent care and primary care visits are more defined. Also, shall the autistic child need home health services at any time there is no charge.
2. When it comes to infertility treatments a PPO plan would be best because it is a covered service unlike the HMO plan. Under the PPO plan. Some tests to determine the cause of infertility and the treatment of some medical Conditions resulting in infertility are covered services. Certain fertility tests and treatments are considered Experimental or Investigational and are not covered. Please refer to the exclusions section for further information. (Florida, 2015). HMO does not cover infertility treatments.
3. For this specific scenario an HMO plan would work best. There is no charge for the oxygen tank as long as it follows the necessary guidelines and meets medical necessity. The child that is being treated for mental health there is a $20 copay for each visit.
4. A PPO plan would work best for this single woman. When it comes to the benefits through the PPO plan she would only owe 50% towards her non-preferred medications and there is no copay for her frequent visits to the emergency room. Unlike the HMO where there is a…...

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