If your miles were with American Airlines, for example, you would go through a similar process to transfer your miles, but you would only be able to give away a maximum of 15,000 miles in one transaction and 60,000 miles total in a year. That means twice the transaction fees for that 25,000-mile transfer.
Preferred Provider Organization. A health care organization composed of physicians, hospitals, or other providers which provides health care services at a reduced fee. A PPO is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee.
What is an HMO plan? HMO means Health Maintenance Organization. HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. How does an HMO plan work? As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs.