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A more recent model is the preferred provider organization PPO which selectively contracts with or arranges for a network of doctors, hospitals, and others to provide services at a discounted price schedule.
Individuals pay lower coinsurance rates if they visit physicians who have agreed to accept a lower price. Similar to HMOs, the PPO model includes utilization review, and formal standards are used to select and maintain network providers and influenza medicine. PPO enrollment grew click here only 1 percent of participants in medium and large employer health plans in influenza medicine 10 percent in U.
Department of Labor, A recent development is the point-of-service POS network. Enrollees are encouraged to use HMO doctors by paying a higher coinsurance charge if they use doctors not affiliated influenza medicine the HMO. By contrast, in a PPO, the doctor simply accepts a lower price for certain patients with no equivalent HMO structure with its emphasis on coordinated care. It is expected influenza medicine the features of POS networks will continue to evolve.
Studies suggest that HMOs can save about percent compared with FFS insurance, primarily by reducing inpatient hospital days Manning et al. However, in some instances these savings are the result of favorable selection of enrollees rather than influenza medicine cost effective use of health services.
Quality assurance at HMOs is influenza medicine important issue.
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