Affordable Health Insurance Georgia
Health Maintenance Organization (HMO)
HMOs have become increasingly more common in the last decade. Again, the insured pays a premium which makes him/her a member of the HMO. As a member of the group the member is entitled to visit any of the doctors who are part of the group. These doctors may all work together in an HMO facility or may work in individual clinics as part of a group of doctors under contract to the HMO. Members may have to pay what is called co-pay when they visit the doctor. No paperwork is necessary to validate the claims of an HMO member; however, members may wait longer for non-emergency appointments than they would with a fee for service affordable health insurance georgia program. An HMO generally requires its members to have a primary care physician who then refers the member to a specialist if needed.
Preferred Provide Organizations (PPO)
The PPO, a blend of the fee for service model and the HMO model,
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