What is an HMO, PPO, HDHP or EPO

[@MarvinTurner]

If you are generally healthy (no major or chronic issues), live a low-risk lifestyle (minimal accidents, tears, fractures, breaks), and are responsible with your saving (to have savings to cover high copay and premium) consider the HDHP paired with an HSA. If you are concerned with high deductibles but still want flexibility to see specialists at will without the oversight of a primary doctor, try PPO. If you are bad with saving or extremely frugal and don't mind having the oversight of your primary doctor who can tell you where you can/can't go or what procedures you can/can't get, try HMO.

[@rachaelann347]

The most helpful comment 🙌 thank you!

[@oshitomaha]

Wow, thanks so much

[@thekitchenvillain]

Thank you Marvin! You are appreciated brother! Sending you love and health!

[@realtalk2046]

You rock ❤

[@jjeverson2269]

American health insurance is trash. It’s all about how I want to get screwed over

[@Computerlegacy]

😹😹so true

[@nachc6459]

Exactly

[@kialuvsyoo]

basically lol

[@DerrickJensen127]

So true! As a European in one of many countries with universal healthcare, I truly feel sorry for Americans. 30 million of whom have no healthcare at all. Those who do are stuck with useless high deductible plans designed to make you pay most of the yearly costs with your own money. I have literally seen Americans right here on KZbin literally pulling their own teeth with pliers, because they don't have dental insurance. As a matter of constructive criticism I think the American people have to demand a change. The problem is they are (by design it seems) focused on trivial matters, like conflict with LGBT/ trans etc.. While the real issues effecting the whole country are brushed under the rug. So.... apparently there is no money for universal heathcare in the U.S.. Yet, they can pull out a whopping 60 billion to fund an uinwinnable war in Ukraine? Americans don't know that in the rest of the world healthcare is not a luxury afforded to the privileged. It is a human right afforded to all. Even some developing countries have a form of universal heathcare, like Brazil and South Africa.

[@Abonanno24601]

This comment means more now then it ever did.

[@justwhistlinpixie]

What an evil system we have.

[@rexly133]

It’s sad

[@rexly133]

It’s the white mans systems

[@juliosuarez4525]

Go to Africa

[@atouraya7779]

Seriously

[@caughtinthevoidfloyd5821]

How is that evil are you retarded? Lol go get educated moron. Go to a communist or socialist country where you wait for 1 month to see a Dr. No! Medical in those countries is not free! Its called taxes. I swear you morons are so uneducated amd thats the real sadness that lingers

[@Discovery_and_Change]

0:57 HMO's typically cost less, but give you fewer doctor choices 2:37 PPO's let you choose from lots of doctors but cost more 5:29 HDHP 5:58 HSA (Health Savings Account) 7:08 EPO (Exclusive Provider) - only contracted hospitals and doctors accept

[@iwishyou1956]

I guess will pick the HMO

[@Discovery_and_Change]

@@iwishyou1956 I ended up getting an EPO through Covered California

[@thomasjust2663]

This video shows how a sad state of affairs the system has become, politicians should have the same options as us, maybe that will motivate to do something about it

[@ReadOnMedia]

I thought the SAME thing. Health Care should be simple and for everyone REGARDLESS of status. Smh.

[@Ahsmokedd]

amazing video for a beginner who knows nothing about health insurances since im about the choose a provider for myself. thanks for the insight and information. greatly appreciated :)

[@nemalikondareddy8402]

Its a good information with good video presentation ..... ☺

[@draconian45]

Thank you. PPO sounds like the best bet for me and my situation.

[@randomdude1398]

as a doctor, I can really see how insurance made healthcare more complicated and expensive than it should've been.

[@simpleenglish7122]

The Most easiest way of explanation.....!!!! 👏👏👏👏

[@SenyoritaStoic]

Dont put "most" when you used easiest. Cuz thats already superlative.

[@RezaulVoice]

Excellant video. Very effective presentation

[@skhy77]

Well-made video. So very helpful- thank you!

[@AislingBast]

It is a great video thanks for the great information and well delivered. This is exactly what I was looking for.

[@TheSoulCrisis]

Great video........enrolling in medical benefits with a new employer right now! If you're needing to see multiple specialists in various domains, PPO is definitely the way to go since you can avoid continuous primary doctor co-pays by being forced to go through them as you would with the HMO plan. HMO is nice for those in small communities that generally stick to a doctor and don't require much outside of routine checks and tests. I love the flexibility of getting second opinions and not paying double co-pays, think I'll go for the PPO myself.

[@saleem4mys1]

Very well and simply explained 🤝

[@ebonezmagic4261]

HMOs are public defenders and ppos are your own attorney you pay outa pocket…SIMPLE…you get more with a ppo(OWN ATTORNEY) rather then hmo ( PUBLIC DEFENDER)!!

[@LightYagami-rz6su]

So government vs free market lol.

[@rogeliocordero887]

Excellent video, It helped me a lot, awsome!

[@telsamorgan5369]

Extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.

[@TieLanded]

Excellent video! Although you explained it well, this still doesn't make sense.

[@ariik8993]

Just as yourself do you want freedom and are you willing to pay for it.

[@juniorsir9521]

Same happens with me. It was well explained but for some reason I find it hard to grasp the concepts. In clinics and hospitals one needs to know all this

[@chevyss18]

@@ariik8993 so ppo?

[@leeflame5425]

very well put together. Thank you

[@oeg1612]

I think both are expensive either way, I just started my new job and hmo is ridiculously expensive here in nevada for me and my kids i paid 50 dollar less at my prior job for ppo which i prefer i dont like hmo because you have to go get referrals for everything I like the flexibility of ppo. Also it depends on the company you work for the jobs at the las vegas strip which is union way better only 60 per check for the entire family and co pays arent that bad either.

[@vipuldang607]

Great helpful....thank you...👍👍

[@aldorowe8134]

Helpful information, thanks.

[@jayeshbhatiya6171]

Very good information thanks

[@glory8065]

Thanks for video. Now I can choose the right plan for me.

[@rizwan3158]

Thanks so much superb explaination

[@RJay207]

Why do we put up with this? Some insurance companies are getting upwards of 70% of their income from tax dollars collected by the government, and given to them to "help" provide health care to the citizens. But we STILL have to pay premiums and deductibles to them, while they do everything in their power to keep from paying for the healthcare we've already paid for in multiple ways. PLUS, even if you're paying your taxes, you're not guaranteed to have insurance (outside of Medicare/Medicaid), as "The Affordable Healthcare Act (Obamacare) has a list of reasons for exemptions from having heath insurance. Eliminate the Insurance Middlemen, and then FAR MORE of our money comes back to us, and not into people collecting our taxes as bonuses for NOT providing us the healthcare we've paid for multiple times.

[@inesdahne-steubersyoutubec3070]

Great overview! Thanks for posting.

[@brittneyharvey2917]

PPO definitely seems like a rip off to me. I pay a lot for mine and I’m switching back to HMO. I’m only 26😹

[@deedee_31]

hi i just signe up with hmo i went from ppo to them one cuz the benefits were better do u have a copay for your meds pls pls reply i need to know before this takes affect thnx

[@francesacosta5607]

Can someone explain how an hdhp is good for those who hardly go to the doctor? Say the deductible is $2,000. If you hardly go to the doctor you’ll always be paying full price for everything assuming you never go over the $2,000 threshold.

[@dajammerowns]

If you hardly go to the doctor you save money in the long run by paying super low premiums.

[@nachc6459]

You pay a low amount, but then a high copayment/ deductible, vs a high amount and a low copayment/ deductible. It’s all the same, it’s all a sham! you’re spending a bundle and getting minimum return in actual care. Lol

[@supreme5580]

@@nachc6459 I agree. HMO is just code for, you suck cuz you're poor so you'll be rejected if you don't join the PPO & EPO clubs...

[@LovetowatcH]

Thanks for creating video

[@nembhardandre]

Would be nice if we used actual words!...they used these letters to confuse us

[@Esa-t8g]

Not true. Do we use USA to confuse people as well? Idiot

[@sherforlife1]

This was very helpful ty.

[@IcedLipGloss]

None of these options seem good 🥴

[@blueprint7414]

Beneficial and easy to understand, thanks for the

[@tennekun]

What if I cannot afford neither of those?

[@Esa-t8g]

Neither? There's not two. There's 4

[@johnmarks714]

Very helpful. Thanks.

[@بندرعبدالله-ز6ط]

Describe the healthcare system in the United States; Explain the functions of BlueCross and BlueShield; Review how drugs are paid for; Discuss healthcare plans and how they are regulated; Outline the differences between healthcare in the US and Europe; Analyse the key reasons for rising healthcare costs in the US; Describe the functions of Medicare and Medicaid;

[@manjukerur9877]

Can explain about 10 stages of claim adjudicatotion??

[@enough1494]

What is a doctor? What is a primary care doctor that is not a doctor? What is a CenterWell, a referral center to a PPO?

[@birenmistry9922]

Can someone change their employer provided insurance in the middle of the year in the event of having a baby born?

[@JoeyDNetsfan]

Yes

[@PAIKUN.]

I wonder who came up with this complex system.

[@timshanemelton]

🤑🤑🤑🤑 " preferred fee for service " = more out of pocket expenses due to someone else not doing their jobs correctly

[@juniorsir9521]

What do you mean?

[@supreme5580]

In short: living the American dream

[@chrishirecat]

Thank you

[@laowu830]

tyvm!

[@Corum-x3s]

Q1 (January, February, March) Q2 (April, May, June) Q3 (July, August, September) Q4 (October, November, December) Estimated income: $500,000,000 Actual income: $950,000,000,000,000

[@annetrabowman6508]

Otherwords be rich to pay for health care lol

[@bearbattle2680]

Or get a job, I mean a lot of places offer health insurance at a heavy discount or some fully covered. Sucks, but this is where we are.

[@precillatrowbridge-jy7pe]

thank you

[@dindin841]

Thank you, excellent video. 👏

[@antst.4195]

I learn so much just watching this video.smh

[@kialuvsyoo]

It's simple: control costs money

[@MiniArts159]

Repost this video to scare anyone from countries where medical coverage makes sense

[@chabaotu5377]

I’m from a country where things are much simpler. The system here is so complicated and confusing that I have to look for videos to educate myself 😂

[@ZubidaZubidda]

nice

[@iwishyou1956]

bruh, this sucks. I understand but this is so sad.

[@Phase81]

I totally agree. It is like employees are screwed, in one way or another. The best choice is in no way ideal, just the lesser of two evils.

[@meenaghanathe1050]

Mam what is in-network and out network

[@elyshiad.2902]

In-network refers to physicians and medical establishments that deliver patient services covered under the insurance plan. In-network providers are generally the cheapest option for policyholders. Insurance companies typically have negotiated lower rates with in-network providers. Out-of-network refers to physicians and medical establishments not covered under your insurance plan. Services from out-of-network providers are usually more expensive than those rendered by in-network providers. This is because out-of-network providers have not negotiated lower rates with your insurer. Links with more info about healthcare www.healthcare.gov/glossary/ www.kff.org/

[@timshanemelton]

The staff of medical billing specialist dealing with our HMO & PPO staff is the weak link in these scenarios

[@kiransandbhor8604]

In network means hospital which is contracted with insurance companies and vise a versa.

[@juniorsir9521]

@@timshanemelton what do you mean by that?

[@AKAlex66]

Back ground music is so irritating

[@montemiller3447]

very helpful to me (age75)

[@Medicents]

Please don't limit your learning to this video alone. Health insurance is far too complicated to cover in 8 minutes, and this video neglects key aspects of health insurance. Keep learning with other resources!

[@letitiaoffill8033]

helpful thanks

[@mikelinx]

this is confusing af

[@DignaNewell-f1e]

Hirthe Walks

[@jumbotron4821]

HMO sounds like it should be our go to American health care plan with a little more open leniency on Physican Options, Hospital Networks and Available Tests. Kinda all for one, one for all

[@supreme5580]

You wanna know what I think? there should be no acronyms and everyone should have open access to whatever the fuck they want. This video did a great job breaking it down, and did an even better job explaining how awful healthcare seems in a private system

[@Abonanno24601]

defend deny depose

[@junechun7867]

OH FUCK

[@ElinorValentine]

Perez Mark Anderson Jennifer Lopez Susan

[@1412nothere]

scamming people with integrity

[@ريحآنه-ت8ف]

The music is sooo annoying and not necessary at all

[@nachc6459]

It all sucks

[@Sandy-kj7ci]

Thank you