Re: united heath care ppo or pos

[Guest guest]

Hi Ann

I have a POS, it has 2 parts, an HMO and PPO. I can use either one. I am

going to use the PPO part to have my WLS. I guess it doesn't matter which

one you have regarding PPO or POS unless of course the surgeon you choose

accepts an HMO then it would be better to go with the POS that way you can

use the HMO part and your surgery shouldn't cost anything except for the

co-payment for your office visit which usually is anywhere from

$10.00-$20.00. If use the PPO part you usually have to pay out of pocket

expenses. Hope this helps, I hope I didn't babble too much.

Tia

<< Does anyone know if it is easier to get approved on one over the

other? I really dont understand the diffrence....

Ann >>

[Guest guest]

Ann,

While the POS and PPO sound similar, it is important to realize that

the POS is actually an HMO! Normally the POS networks are very

restrictive compared to the PPO networks.

With either plan you can go out of newtork, but you are responsible

for all charges above R & C, and that can be astranomical (for the

hospital).

So you usually are best off with the PPO unless the PPO has a WLS

exclusion and the POS does not. So you need to read the exclusion

section of each policy to really know. If there is no WLS exclusion

then the PPO is your best bet.

United has been better than most insurers in regards to the DS.

Hull

> Does anyone know if it is easier to get approved on one over the

> other? I really dont understand the diffrence....

>

> Ann