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Some of the most common group insurance options are:
Traditional, or fee for service (FFS) - provider reimbursement in which the doctor is paid according to the service performed
Health maintenance organization (HMO) - A type of managed care plan where access to care is controlled by a primary care doctor and coverage is limited to the approved medical services administered by a network of doctors, hospitals, skilled nursing facilities and other providers included in the plan.
Preferred provider organization (PPO) - A type of health care plan that gives patients a choice of using doctors and hospitals in a network and paying a co-payment or using physicians and hospitals outside the network and being responsible for a paying an annual deductible and a percent of the bill for the visit.
Point of service (POS) - A type of health care plan that provides network and non-network health care services. You are responsible for co-payment amounts when network providers are used. If non-network providers are utilized, services are subject to a deductible and coinsurance amount.
