Medical Insurance - Health Insurance Coverage & Plans Explained
Medical Insurance - Health Insurance Coverage & Plans Explained The main types of health insurance plans are: HMO - Health Maintenance Organizations HMO benefits are geared toward keeping you healthy. They aim for affordable health care costs by reducing the cost of annual physicals, well-child visits and other routine care by requiring you to pay a 'co-pay' - a small portion of the actual bill - for every visit to your doctor, and the health insurance company pays the rest. Most require that you choose a primary care physician, who takes the place of an old fashioned General Practitioner - the family doctor who knew your medical history and prescribed visits to specialists if needed. HMOs are generally more affordable than traditional health insurance, but they'll still cost you several hundred dollars a month. All your medical care under an HMO will be arranged through your primary care physician. If you need to consult with a specialist, you simply call your primary care physician and request a referral. « Previous Page « » Discuss it » Continue Reading »
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