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HMO and PPO are both a health care plans. However, a PPO (preferred provider organization) is more expensive than an HMO (health maintenance organization) but is more flexible, because it allows members to see any doctor or specialist without a referral. HMO is a health maintenance organization, a medical organization, consisting of medical and health specialist, it stresses preventive medicine..
PPO is a managed health care plan based on agreements between doctors, hospitals, and other related medical service.
Workers' compensation is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries. An injured employee gets the benefits regardless of who was at fault -- the employee, the employer, a co-worker, a customer or some other third party. In exchange for these guaranteed benefits, the employees usually do not have the right to sue the employer in court for damages for the injuries.
An example of an employees gets injured that’s not covered by Worker’s Compensation would be: injuries that happen because an employee is intoxicated or using illegal drugs are not covered by workers' compensation., self-inflicted injuries (including those caused by a person who starts a fight), injuries suffered while an employee was not on the job An example of an employee injured that would be covered by the Worker’s Compensation would be As long as your injury is job-related, it's covered. For example, you'll be covered if you are injured while traveling on business, doing a work-related errand or even attending a required business-related social function.
A company’s benefits programs is considered a marketing tool because ...