Word: out-of-pocket
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...more, growing numbers of businesses and consumers are abandoning HMOs. In California, the state that pioneered managed care, the percentage of people enrolled in HMOs has fallen below 50% for the first time in eight years. Most are moving toward costlier plans with higher premiums and more out-of-pocket expenses...
...decades ago, companies provided one-size-fits-all health insurance. It had a deductible, co-insurance and an out-of-pocket maximum. But with medical costs skyrocketing, that system became far too costly for employers to maintain. Says Drew Altman, president of the Kaiser Family Foundation, an independent philanthropy that studies health-care issues: "The country made a de facto decision to go with a market-driven health [care] system based on competition and choice." Some folks were most interested in low cost; others wanted to see any doctor, go to any hospital or take any test they felt necessary...
...PREFERRED PROVIDER ORGANIZATION: This is a hybrid of managed care, as delivered through an HMO, and the old-fashioned fee-for-service plan. In a PPO, you can go to any doctor you want. But out-of-pocket costs are much higher if you go outside the plan's network of providers...
When the Pi Eta board members announced last August that they wished to end the relationship, they promised to reimburse Sigma Chi for any out-of-pocket expenses it derived from the improvements...
...Undergraduate Council will vote on Sunday whether to reimburse two students who made out-of-pocket loans to the Ivy Council (IC) in February-and have yet to have their money repaid...