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Health Caremedical
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HMO drawbacks
The rapid growth of managed care, while controlling health care costs, has been relatively unchecked by consumer advocates and public policy makers. Problems have arisen in several areas, including emergency room treatment, the care of… -
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HMOs vs. fee-for-service
As an HMO member, your health care will be coordinated by your doctor - your “primary care physician” - and you will in most cases be required to use other health care providers, such as… -
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Health plan information
While reading the materials your HMO provides may not be high on your list of entertainment, an hour or two spent reviewing these documents is crucial. You need to understand what your plan covers -… -
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Health information
It is a great idea to have a good medical reference book at home. Many health plans have published very complete guides to assessing the seriousness of health concerns. Start your search by asking your… -
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Open enrollment periods
Employers that offer more than one health plan will allow employees to switch their coverage between plans only during one time of the year, typically one month in the fall or early winter. This is… -
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Evaluating HMOs
In most states, the government agency responsible for regulating HMOs conducts annual or bi-annual reviews of the HMOs they regulate. Some version of these reports is usually made available to the public for use in… -
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Investigating doctors’ backgrounds
Information on doctors who have been subject to disciplinary actions can be found online for free at the Docfinder site. Docfinder, run by Administrators In Medicine (AIM), culls its data from state government licensing… -
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Generic prescription drugs
The pharmacist probably told you that the drug your doctor requested is not covered by your HMO. This means that if you had wanted that particular drug right away, you would have had to pay…
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