based insurer whose main offering is a closed-panel HMO
, confirmed that it, too, began to offer a similar high-deductible product last year and planned to combine it with HSAs this year.
Strangely enough, with IDSs performing miserably across the land, the closed-panel HMO
model breathing its last gasp, and physician practice management companies (PPMCs) moribund, many are still assuring us that these systematic failures will be corrected when physicians "sponsor" their formations.
patients have about the same number of ambulatory visits as their conventional insurance counterparts but significantly lower hospitalization rates (Luft 1978; Manning et al.
In the past two years, enrollment in PPOs rose to 43% from 35%, while enrollment in closed-panel HMOs
remained stable at 30% and open-ended HMOs, or point-of-service plans, declined to 16% from 20%, according to a study released by William M.
Between 1998 and 1999, enrollment in PPOs rose from 35% to 43%, while enrollment in closed-panel HMOs
stayed at 30%, and enrollment in "point-of-service" HMO plans dropped from 20% to 16%.
(individual practice associations and staff model HMOs), which offer their participants all covered care through the HMO provider network, and participants may not opt for medical care that is outside the HMO network unless it is in an emergency situation.