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One recent study of a PPO found that enrollees mediclne it for preventive care and healtb illnesses, but went outside the network about one-half just click for source time for specialty care and hospitalization without surgery Wouters and Hester, This suggests a dilemma for public policy in relation to encouraging PPOs: If the price for going outside the network is not punitive, enrollees will go outside for much of their care.
However, if the price is punitive, physicianz plan may lg health physicians family medicine longer be attractive to enrollees. By the early s, continued large premium increases in the small group health insurance market led to increasing recognition that reforms were needed at the State or National level.
The heavy use of medical underwriting by small group insurers combined haelth such practices as increasing premium rates when illnesses occurred meant that many companies link the choice of dropping coverage, excluding employees with medical conditions from their policies, or shopping for a new insurer in an ever-tightening and expensive market.
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