YOUR |
YOUR |
by
Lin Stone
.
Health Maintenance Organization(HMO) HMOs are the oldest form of managed care plan and they have been around and successful for a long time. Basically they usually offer a range of health benefits, including preventive care, for a monthly fee that is the same every month. They offer co-pay on prescriptions. | Mama's almost gone now. We don't always run from Death. Fact is, Mama's chewed on his lip so many times Death looks about as mean as a St. Bernard on a mission. Nailing Mr. Big Buck, the trophy of the woods. My first eagle. I shall never forget the thrill of seeing him sweep by in front of my own two eyes. |
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There are several types of HMOs. There is the type of HMOs offered at most jobs that is a staff or group model HMO. They get to know you personally in many instances and they are looking at your healthcare on a long term basis. They want to KEEP you well. Some HMOs contract with physician groups or individual doctors who have private offices, called individual practice associations (IPAs) or networks. In this type of plan you will be given a list of doctors to choose from and will have to pick one as your primary care physician. It is a little bit of a hassle to change your Primary Care Physician, so choose wisely. This Primary Care Physician sees you whenever you have a health issue -- and for yearly check-ups. Unless you are a truly unforgettable character your doctor probably won't recognize you on the street. |
| If your primary care physician decides you need to see a specialist or other doctor s/he will give you a referral. You will even need a referral to go to the emergency room in some cases. Real problems can arise over deciding on the definition of "EMERGENCY." Insurance companies see altogether too many people leaving the emergency room with nothing needed to fix your problem but a swab of iodine and a band-aid. You will need to discuss where the line is drawn before you sign on the dotted line. With most HMOs you will not have to pay anything to see your primary physician for treatment, but some do have a very small co-pay of $5-$10 per visit. In practically all of these HMO plans you must get a referral to go out of the network or you will be required to pay for that visit yourself, in full. In some cases you might even be required to pay in full if there is a network doctor available and you refuse to see that one. | The Typology of Financial Scandals. Can you recognize a scam? Is your money SAFE in the bank? Miracles happen daily inside banks, but so does sleight of hand. The Value of Money explains why we are always broke. What is man that thou art mindful of him? Do the tides pause to salute an immortal soul when death brushes us by? Sweet and Sour by Anne Clemmons. Which is stronger, the practical future, or the one we dream about? The Cowboy from Ireland, by Maggie Wood. |
About the author: Independently less than wealthy, Lin Stone is an author, writer and photographer living in Mena Arkansas among the gentle mountains known as Ouachita. His writing has appeared in almost one hundred magazines and Browzer Books has published seven of his books so far with more in the works.
Basics * Examine Your Choices * Explaining HMOs * An In-Depth Look At HMOs * What is a PPO? * Your POS Plan, In Detail * Smart Shopping * Exclusions and Limitations * Live Better and Save More * Your Bad Habits Can Kill Your Pocketbook * Lessons From Your Lifestyle * For The Working Family * COBRA can Save You * Go Overseas and SAVE a Bundle! * Contact the Owner of this Site * Explore Everything on this Site
Read the fine print: My two lawyers say I must warn you to see a lawyer before trying any of the strategies in this book. You are my witness; I have told you. “Consult with a lawyer before you try any of these techniques.”
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