CIA Insurance Services

Health Insurance

What is an Health Maintenance Organization (HMO)?

• Physicians are contracted to an HMO act as a �gatekeeper� to other medical services
  
• Usually has co-payments instead of deductibles
  
• You choose a Primary Care Physician within the HMO
  
• Lower out-of-pocket costs
  
• Generally lower premium cost than traditional plans
  
• Kaiser is an example of an HMO

What is a Preferred Provider Organization (PPO)?

• PPO�s offer more flexibility in choosing your physician
  
• You can choose to receive treatment from physicians within the network or outside of it
  
• PPO pays higher portion of costs if you stay within the network
  
• Plans have deductibles and co-payments
  
• Generally have a higher cost than an HMO

What is an Indemnity Policy?

• Allows you to choose any doctor and hospital you wish, a fee for service plan
  
• Costs more than the above two options but gives you more flexibility.

What is Aflac?

• Aflac is an indemnity type policy offering many coverage options. Their plans pay you cash when you suffer from a covered accident, injury, or illness. It offers excellent, affordable supplemental coverage to your health plan.

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This is only a general summary of the coverage of this type of policy. You should refer to the actual policy for coverage limits, exclusions and other conditions.