Tuesday, May 24, 2005

Reliable Single-Window Health Insurance

Not all of us are doctors and perhaps the very thought of medicine and doctors upsets us!

What if you want hassle-free health insurance? Pay once a month, or even once a quarter and sit back and let experts look after your health.

An HMO or Health Maintenance Organization does this for you. The steps are simple:

  1. Enroll in a plan*
  2. Choose a Primary Care Physician. This could be a Family Doctor or a Specialist, depending upon your family circumstances.

That’s it! Just 2 steps and you are covered for a year until the next open enrolment. The Primary Care Physician takes care of all your medical treatment needs. He or she will refer you to specialists when needed. These doctors would most often be part of the HMO network, but never at the cost of your best interests. You could see a specialist who is not part of your HMO is your condition requires such consultation.

Co-payments are typically $5-10 per visit and your premium covers everything you need by way of visits, tests, medicine and hospitals. It is not so much a matter of money or convenience as the reassurance that a professional Primary Care Physician takes responsibility for your medical care.

There is one thing though-you are responsible for accepting exclusions from your policy. Do you plan to start or to expand your family? Do you want to pay for coverage of even unlikely illnesses that could strike or do you prefer an economical product that protects you against common and likely expenses only. These are choices that only you can make. You have to do this during open enrollment. Visit the site linked below for more information:

www.healthliteracy.blogspot.com

Google
Web www.healthinsuranceguide.blogspot.com

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