device that enables the Health Maintenance Organization (HMO) to present a premium quotation to the employer that would encourage the employer to replace the current health carrier. The POS offers three options for the delivery of health care:
- traditional gatekeeper (GK) option-HMO network provides the care and there is a gatekeeper director.
The member has increasing payments under the OA and OON options as compared with the GK option. For example, the GK option may have a $15 physician copayment and provide total hospital benefits. The OA option may have a $30 physician copayment with a 10% coinsurance requirement. The OON option may provide for a $500 deductible, an 80/20 coinsurance requirement until the employee's out-of-pocket medical expenses reach $5000, and then the plan would pay all expenses up to a $750,000 lifetime maximum.
