My first employer, the Pine Bluff Commercial, was notoriously stingy with wages, like all small newspapers, but it provided a standard 80-20 point-of-service plan
with a $200 annual deductible at no cost to me.
You'll have to choose between a health maintenance organization (HMO), preferred provider organization (PPO), or point-of-service plan
The survey of more than 1,800 employers found that only about one-quarter of employees belonged to an HMO in 2003, while 54% were enrolled in a PPO, and 17% were enrolled in a point-of-service plan
. The percentage of employees belonging to HMOs was down 3% from the previous year.
Stanford's point-of-service plan
is a health plan that may be thought of as a compromise between an HMO and a traditional fee-for-service plan.
through a point-of-service plan
(Option P) that allows employees the flexibility of going out of the network; if they stay within the network for services, they get a higher benefit, and if they choose to go out of the network for services, they would be covered, but at a lower benefit (about 75-80 percent of plan participants have selected this option); and
The traditional indemnity health insurance plan is replaced by a managed care point-of-service plan
with lower costs and some improvements in benefits.
The Partnership Program is currently available to a limited number of large and mid-size companies where all or most employees are enrolled with Group Health or its subsidiary point-of-service plan
. Partnership services range from counseling workers who seek to quit smoking to advising companies about the design of industrial health programs.
After adopting a flexible benefits plan for active employees in 1992, the company installed a point-of-service plan
for active and retired employees last March, which had a 73-percent enrollment rate, she reports.
Aside from its indemnity plans, Blue Cross has Value Care, its PPO; Healthwise, its HMO; and it is introducing a hybrid point-of-service plan
, a sort of open-ended HMO.
Initially, our program suffered from some administrative and start-up difficulties as we learned the nuances of operating a point-of-service plan
. Those difficulties were corrected, however, as claims handling and other procedure were improved.
Advantage offers a traditional HMO, where only in-network providers can be used, and a more user-friendly point-of-service plan
where you can go out of network, with a reduced benefit.