What is a HMO Health Insurance plan?

A HMO (Health Maintenance Organization) is a company that will find health care providers that are willing to see more patients for less money. The organization can be large enough to own some or all of the medical health care system. The HMO can own hospitals, hire their own doctors, and take care of almost all medical needs.

My company that I work for, and many other companies, offers employees an HMO health insurance plan. The premiums that the company and I pay are what I feel, competitive with other type of plans.

HMOs also offer individual and family health insurance to private uninsured citizens at very reasonable prices. So, if you need to buy your own private health insurance policy, be sure to fill the free, no obligation quote here. It’s an easy form and lets the insurance professionals do all the work in finding the best policy for you.

Concerning my own particular HMO plan, I really like it because the care providers have usually seen your medical health problems before and know how to treat them. A doctor in this system will see many patients in a day. With this type of exposure, the doctors are familiar with most illnesses and consequently, problems are more easily diagnosed.

Another advantage to an HMO, is that they work closely with many other doctors, so they can, and do, consult on the more difficult problems. I also like being able to get flu shot for a small deductible.

The problem I have with our HMO is if they feel (they being the telephone operators that takes my calls) that I do not have a serious health problem, it can take months to get to see a doctor. A recent example of this happened when I tried to schedule a physical. I couldn’t get an appointment for 6 months. Another problem I have is I am tied to their system, and it is difficult to get a second option without paying for the whole cost.

As with all businesses, the part that keeps people coming back are the people working there that personally interacts with you. The medical business is no different. The doctor you have will either make you feel like an HMO is a good health insurance plan or not.

For my family and me, a HMO health care plan works. I know that my HMO doctor cares and actively works with us to keep us all healthy.

Author: I.L. Wilson