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An Explanation of Benefits (sometimes called a Claims Summary), is a document the health insurance company sends you and your medical providers telling you how your medical claims (expenses) have been processed. For you it is simply an FYI. The EOB lists the treatments that took place, the portion of the cost that is covered… Continue reading EOB – Explanation of Benefits
With a PPO, you can see any doctor you like, or visit any hospital usually within a preferred network of providers. You always have the option of seeing doctors or visiting hospitals that are “out-of-network,” but you will spend more of your own money on medical expenses. In a PPO, you do not have to… Continue reading PPO – Preferred Provider Organization
A Health Maintenance Organization (it used to be called Managed Care, but The Insurance Mom now refers to it as Mangled Care!). An HMO requires that you see only doctors or hospitals on their list of providers, and sometimes at a specific facility. An HMO also requires that you choose a Primary Care Physician (often sight unseen), who will… Continue reading HMO – Health Maintenance Organization