HMO's are they good?

Answer 1

They are ok but they do have problems that I have heard of like not paying for procedures that need to be done. Paying Dr.'s bonuses when they save them money by not getting these tests and things done. So, for ordinary things they are ok. I would rather be in a PPO if that is available. They are in the insurance plan. They have a contract to take a certain fee for their services and you pay a co-pay and whatever deductible the ins. company has you pay for the plan you are in. You can go to any Dr. or Specialist that is in the plan without a referral from your primary Dr. You may have to pay a higher co-pay for the Specialist but it beats going to the Dr. and paying and then paying the Specialist too. Just make sure they have Dr.'s in your area to choose from. Usually the employer can tell you. Good luck. e-mail me if you have any other questions. I am in the medical field. Miss Mary

Answer 2

Well, the problem with an HMO is that you usually have a primary care physician (PCP) and you have to go to this doctor for everything and more or less get his permission to go to a specialist. It's kind of a pain because if you have a problem with your foot, you can't just go to the podiatrist. You have to go to your PCP and get a recommendation from him to see a foot doctor. If you can't get the recommendation, your insurance won't pay for it. You're usually really limited to the physicians you can see. It just takes a lot of freedom of choice in your healthcare away.

Answer 3

HMO's require permission from your primary doctor.

Go with PPO if you have an option.

Answer 4

They are a 2 sworded issue.
Your better off studying them by finding the resources of its politics.
Do you want to pay?
How much would you be willing to pay?
Will it pay you in return somehow?
Does it benefit you?

Answer 5

no they are not