If you reside in Kansas, Midwest Professional Insurance is our locally owned independent insurance agency that offers personalized service to all our customers. Managed care, designed to simplify insurance coverage and provide affordable health care, often causes confusion. It’s crucial to understand the different types of managed care and their respective restrictions.
Understanding Managed Care
Managed care is a collaboration between medical professionals and insurance companies to provide optimal health care while managing costs. The parties contract for services at a predetermined rate, helping to manage patients’ costs while ensuring quality care. There are three main types of managed care: HMO, PPO, and POS.
Health Maintenance Organization (HMO)
HMO stands for Health Maintenance Organization. It’s the original managed care and the most commonly used due to its cost-effectiveness. However, it’s also the most restrictive. You can only go outside the network in case of an emergency. You must also have a primary care physician to manage your care, and referrals are necessary.
Preferred Provider Organization (PPO)
A PPO is a Preferred Provider Organization. It’s a popular type of managed care due to its flexibility. If you use a preferred physician in the network, you get the best price, but you can also go outside the network. You don’t need a referral or a primary care physician.
Point of Service (POS)
A POS is a point-of-service plan. Depending on where you’re being treated, you can use either an HMO or a POS, which offers plenty of flexibility.
Contact Midwest Professional Insurance when you need healthcare insurance in Kansas. Reach out to our office for a quote.
