Steps to saving you money: Health

1. Indemnity Plan - Generally Lets you choose your 
   Dr. and hospital.

2. PPO - Pays Better if you go to one of the 
   Dr. and hospitals that they have a contract with.

3. HMO - Will require a primary care physician in 
   the network to guide your care and refer you to 
   a specialist if needed.

4. Choose the one that has the doctors and hospitals 
   you prefer that are in their network, with the coverage 
   you want.