HMO, a PPO, and an HDHP.

Imagine you are a Benefits Manager and your busiest time of year is approaching – Open Enrollment.  Your employees are going to be presented with all new benefit options this year and you will need to explain them.  Your company is now able to offer three different options:  An HMO, a PPO, and an HDHP.  Your employees all received an information packet.  Here is the summary page below, that is in the packet.  In a PowerPoint presentation explain the basic differences in the three plans.  The purpose of this presentation is not to cover what the rates are; the employees can see those in their packet.  You need to explain the types of benefit plans and the terms.  For example, don’t just list the deductible for each, but tell them what it means to have a deductible.

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