Hca 210 Week 6 Assignment Presentation

United States’ Insurance options(Your Name)Axia College of University of Phoenix History of Health InsuranceFirst offered at the end of the 1800sIn 1929, the first modern health insurance was offered Purpose of Health InsuranceHelps pay for highly priced medical servicesPays for surgeries, laboratory work, treatments, etc.Makes health treatments more affordable for patients Insurance OptionsHMOsManaged CarePPOPOSTRICARE HMO AdvantagesAble to go out of network Offers discounts on servicesNo limit on hospital staysDisadvantagesPrimary care physician (PCP) has to be seen for all medical careMust have referral Not available in all areas Managed CareAdvantagesAll services in one locationMinimum paperworkExpanded benefitsDisadvantagesReferrals are hard to getRestriction on service providersRestriction on travel PPOAdvantagesLow cost within networkLarge network to choose fromNo referral neededDisadvantagesCo-pays are more expensiveMust meet a deductibleCost outside of network is expensive POSAdvantagesFreedom to pick doctor of choiceMinimum co-payments within networkNo deductibles in networkDisadvantagesHigh co-pays out of network servicesDeductible for out of network services TRICAREAdvantagesNo enrollment feesNo papers to fileNo balance billing DisadvantagesProvider choice is limitedHave to pay co-pay and deductiblesNot universally available ReferencesNorthern California Neurosurgery Medical Group. (2008). The History of Health Insurance in the United States. Retrieved February 3, 2009, from http://www.neurosurgical.com/medical_history_and_ethics/history/history_of_health_insurance.htmEhealthlink.com. (2002-2009). First Choice Health Insurance, Inc. Medicare HMO Cost Plan Advantages and Disadvantages.