Many employers prefer the freedom of choice offered by a Preferred Provider Organization (PPO). Hometown Health Providers Insurance Company offers both a northern and a southern Nevada network. This allows coverage of employees in any city or town throughout the state.
Incentives, such as low co-payments at a physician's office, encourage member to use preferred providers. When members use preferred providers, Hometown Health's discounted fee schedules keep claims costs down, which helps keep premium to a minimum. In addition, precertification requirements for most major treatments assist in keeping costs down.
For more information on Hometown Health's products and services, please contact your Hometown Health Account Executive. Be sure to download the latest PDF of PPO Plan Designs.
Attributes of Preferred Provider Organization (PPO)
- Providers in and out of directory are covered
- No Primary Care Physician selection required
- No referral needed to see specialist
- Copayments required for certain services
- Deductible applies on certain services
- Coinsurance applies on certain services
- Claim forms needed only when using nonparticipating providers
- Nonparticipating providers may bill members for charges that Hometown Health does not pay
- Preexisting condition limitations may apply
- Member is responsible for obtaining prior authorization
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