The focus of an HMO policy is to provide preventive and wellness care so that medical problems can be addressed before they escalate to require hospital treatment. Therefore, although consumers can choose any size deductible plan, most preventive services aren't included in that deductible requirement. Instead, you would pay small co-pay of between $5-$25 for most services, including visits to the doctor's office and emergency room.
An HMO is a good choice for families who don't just want accident coverage, but a comprehensive medical plan that encourages regular wellness visits. Many consumers enjoy the HMO plan because they don't have to fill out any claim forms when they go to the doctor or hospital. Instead, they just provide the receptionist with their medical provider card. Enrollees with small children especially appreciate this convenience, as it cuts down on in-office meltdowns.
The downside is that in non-emergency situations, a member may have to wait longer for an appointment, as the office of an HMO doctor can be a busy place. It can also be difficult for some consumers to treat an extended illness because of the HMOs referral standard, since they cannot go to another doctor without a referral by their primary care physician.
Learn how much you can save with an HMO Plan today!
Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
