Preferred Providers (PPO)

The preferred provider organization is a combination of traditional and HMO plans. There are a limited number of doctors and hospitals to choose from in order for most of your medical bills to be covered.

When you go to doctors in the PPO, you present a card and do not have to fill out forms
Usually there is a small copayment for each visit. For some services, you may have to pay a deductible and coinsurance
As with an HMO, a PPO requires that you choose a primary care doctor to monitor your health care
Most PPOs cover preventive care
In a PPO, you can use doctors who are not part of the plan and still receive some coverage

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.