Vital Crown In addition to idemnity plans, there are essentially three styles of managed care plans: ppos, hmos, and pos plans. Favored company companies (ppos) are closest to an idemnity plan. A ppo has arrangements with docs, hospitals and different care carriers who have agreed to just accept lower prices from the insurer for their offerings. As a result, your fee sharing must be decrease than if you pass outside the network. In case you go to a physician in the ppo network, you may pay a copayment (a fixed amount you pay for sure services–say $10 for a doctor of $5 for a prescription). Your coinsurance could be primarily based on decrease fees for ppo contributors. In case you choose to go to a physician out of doors the network, you will need to meet the deductible and pay coinsurance based on better costs.