PPO coverage plans typically cover specialized medical treatment.
On March 23, 2010, President Barack Obama signed the Healthcare Affordability and Reconciliation Act, which redefined health coverage in the United States. Some people appear to be confused about health care coverage, and as a result many myths and opinions have been circulating within the health care industry.
Universal Health Care Coverage
Universal health care coverage strides to provide quality and affordable health care to every person. The American Medical Student Association argues that education is provided by the government to benefit society, and based on the same rationale, health care should be financed by the government as well. In addition, the association expounds that many uninsured people cannot afford health care coverage because it is not readily available to them. The CATO Institute's Michael Tanner, author of "Healthy Competition: What's Holding Back Health Care and Free It," explains that universal health insurance does not necessarily mean universal access to health care. Tanner believes that analyzing other countries who have implemented universal health care provides a realistic view of the coverage, which he deems is unsuccessful.
Preferred Provider Organization
Preferred Provider Organization (PPO) coverage is a network of medical professionals and providers who offer health care at a discount to members. The use of providers outside of the network is permitted for additional fees. PPO is flexible, and unconventional medical services are typically covered.
Health Maintenance Organizations
Health maintenance organizations (HMO) agree to a set fee with the insurance provider for medical services. HMO coverage typically limits medical care to doctors within the network, and care received outside the network is not covered. HMO is generally low-cost and illuminates deductibles.
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