1. Is My doctor In-Network?

If you have a doctor you can't live without, you need to make sure before signing up for a HMO plan that your doctor accepts your plan. A doctor may accept your Health Insurance Carrier but not all plans. If your doctor is not a part of your HMO, your insurance will not pay for any of your service.

2. Does HMO Monthly way out the CO-Pays?

HMO plans for individuals are much more expensive then PPO plans but the CO-Pays and CO-Pay limits are a lot less then PPO plans. I would take look at your past few years, how often you used your insurance see if the HMO plans monthly makes sense for your usage. For example, If you are some who uses a lot of office visits it would be great to have $20 CO-Pays vs. 30% on a PPO plan.

3. Do I need to meet a Deductible?

The more new HMO plans that come out the more choices there are. There used to be very few HMO plans that had any kind of deductibles but that is not the case anymore. You need to make sure you how your deductible works, if you get office visits before it is met and what it applies to.

4. What my PCP is for:

A PCP is your Primary Care Physician. Your PCP is who you go to when you need ANYTHING. You will go to your PCP before you see any kind of specialist, they will be the person in charge of giving you referrals to see other doctors when you need to. Carriers will let you change your Primary but only the first of the month, make sure it is someone you like.

If you have any questions or would like some free health insurance quotes please give me a call toll free, 877-707-9898.