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- Examples of HMOs include Kaiser Permanente, Cigna Health Plans and Blue Cross HMO plans.
- HMO members over 65 years of age should remember that the HMO plan replaces Medicare coverage and
- you must stay within your HMO plan for your claims to be paid by Medicare.
- • PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization) or IPA (Independent
- Practice Association). Traditionally, these are groups of physicians and other participating providers who
- have agreed to offer a discount from their usual fees in order to participate in a particular group. These
- function as "old-fashioned private practice" in that the physician or other provider receives a fee each time a
- service is performed or each time you see the physician. You do have a choice of using providers or physicians
- who are not in the plan, but if you do, you will have to pay a larger portion of the cost.
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