Hassle-Free Health Coverage: Multiple Option Plans

You might want to look into a multiple option plan. This type of plan is an integrated health plan that includes services of an HMO, PPO, EPO and a traditional indemnity plan -- all of which are administered by a single vendor (usually a traditional insurance company).

And there are many variations of managed care systems, including: point of service plans (POSs), physician hospital organizations (PHOs), practice management organizations (PMOs), and provider-owned networks. Most of these alternatives combine the mechanical controls of HMOs, the flexibility of PPOs and some kind of provider (that is, physician) ownership.

The goal of these alternative managed care plans is to reap the benefits of cost control while keeping doctors in on the decision-making process.