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YOUR BEST BUY Health Insurance
Frequently Asked Questions
Koven and Koven Insurance
Frequently Asked Questions
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Q. What is the difference between a P.P.O and an H.M.O.?

A. A P.P.O. (Preferred Provider Organization) lets you choose
from a wide variety of doctors and hospitals at any time.
Your out-of-pocket expenses are usually higher.
An H.M.O. has you select a doctor who then becomes
your primary doctor and you are restricted to the doctors
and hospitals in his particular medical group. Our-of-pocket
expenses are usually lower.

Q. I seldom see a doctor and am in good health.
    What plan should I choose?

A. That depends on your age and financial status.
     We can help advise you on the various choices available to you.