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The VBAC Companion
The Expectant Mother's Guide to Vaginal Birth After Cesarean
By Diana Korte
-- Alexandra G., Tennessee
HMOs, PPOs, point-of-service plans and even the old-fashioned fee-for-service plans are all bought by an individual company for its employees from one of many giant insurance companies, each of which has accounts with hundreds, if not thousands, of businesses and corporations. Your employer might offer only one insurance plan, but some of you may be able to choose from all of the options outlined here. If your employer offers more than one insurance carrier, you might be able to switch plans only during one designated month in each year.
Unlike the insurance options I've discussed so far, an independent practice association, which is similar to an HMO in benefits, is a group of physicians who contract with several insurance companies -- not just one HMO -- to offer insurance benefits o you or your company.
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