Medical Plan Considerations

The following may be consideration when choosing a medical plan for you and your family:

	PENNCare/Personal Choice		UPHS POS		HMOs
	Preferred Provider	Non-Preferred Provider	Referred	Self-Referred
I have an established relationship with a doctor who is not a provider in any of the PennChoice Plans and I want direct access to this physician		X		X
My doctor is already a member of the HMO, PENNCare/Personal Choice or UPHS POS Plan	X		X		X
I want to choose my doctors and hospitals without being limited to a network provider		X		X
My family and/or I visit the doctor for many routine preventive care services	X		X		X
I or someone in my family have scheduled a surgery that requires hospitalization and I want to minimize my cost.	X		X		X
I want to reduce my out-of-pocket costs, but I am not sure I will like being in an HMO	X		X
I want to go to the hospital of my choice		X		X
I do not want to pay a lot for my insurance because I don't use much healthcare			X		X
I do not want to file claim forms	X		X		X
I do not have a physician and want help finding one	X		X		X