Group Health

PPO- A PPO plan is a health insurance plan designed for ease of use.  The insured has a broad list of providers that can be seen at any time and the provider list includes both primary care doctors and specialists.

Co-pay- The co-pay is the amount that you pay for each doctors visit.

Deductible- Each year the amount of the deductible is the amount you pay for your own medical benefits before the insurance pays for anything.  This applies mainly to hospitalization not doctor visits.

Stop Loss- Most policies have a stop loss which is the most you pay for any single medical occurrence regardless of the final total cost.

HMO- An HMO has less freedom than a PPO since you must have prior authorization from your primary physician in order to see a specialist, 
however in many cases if you are in good health an HMO will often have a much smaller out of pocket expense for the year.

Specialist- The amount you pay to see a specialist after getting permissio from the company and your primary doctor.
Hospitalization- This is the amount you pay for hospital treatment.

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