Family HMO Insurance Plans – Do These Family Health Insurance Plans Work?
Are you looking for convenient access to health care? If so, consider the many choices offered through family Health Maintenance Organization (HMO) plans. With HMO’s you normally do not have to pay a deductible if you visit a health care provider that participates within the HMO network. The co-pays are relatively small and the service varied. How does an HMO plan work? One of the many benefits of an HMO plan is that the out-of-pocket expenses that you incur are limited to a fixed dollar amount as long as the medical care you receive is within the HMO network. With an HMO, you are required to select a Primary Care Provider (PCP) from within the HMO network. This medical professional will be the first contact for all your medical needs. If you were to require further medical treatment, your PCP will complete a referral so that you can see a specialist to further aide in your health care. The type of care covered with family HMO plans include: * Physician and outpatient care * Hospital c
