Q: What is an HMO?
A: A Health Maintenance Organization (HMO) is a managed health plan.  At the time of enrollment, the member selects a Medical Group and Primary Care Physician. All care is received from the Primary Care Physician. Visits to a specialist must be referred by the Primary Care Physician. Some HMO plans allow for self-referral to a specialist within the same Medical Group but you pay a higher co-payment for the visit.

Q: What is a PPO?
A: A Preferred Provider Organization  (PPO) gives the insured greater choices. At the time of service, the member has the choice between network or non-network doctors and hospitals. Greater benefits are provided when the member uses the in-network providers.

Q: What is a POS?
A: A Point of Service Plan (POS) combines features of an HMO and PPO into one plan. At the time of service, the insured decides how to access care: (1) HMO provider - and make a small co-payment, (2) PPO provider - in the contracted network and pay a higher co-payment, or (3) Non-PPO provider - you can see any licensed physician and pay a larger portion of the bill.  When the PPO or Non-PPO plans are used, the member may use a specialist without having to get an authorized referral.

Q: How do I get information about benefits and rates?
A: Fill out the Request for Proposal and e-mail it to Myers-Stevens. All information is confidential.