How far is the nearest provider to your home? How far is the nearest hospital?

For this unit’s discussion, please select a health care insurance company that is located in your area and answer the following questions:

1. Is this a HMO or PPO?
2. How far is the nearest provider to your home? How far is the nearest hospital? Are there other providers and hospitals that are closer/preferred not listed as a preferred provider/hospital?
3. Does the insurer charge a different rate for customers who smoke as compared to customers who do not smoke? Please discuss.