Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are health schemes aimed at reducing the cost of healthcare by majoring on preventive care. In HMO, one chooses a preferred physician and can only see another one with a referral from the first. Its premiums are relatively lower. There are prepaid monthly premiums (Adler, 7). PPOs are more expensive, and the client can choose to be attended by other physicians outside the program. One pays for the bill then places a claim on the program (Bihari, 7-8).
These plans cover the client who has subscribed to the service and their next of ...
