Individual Medical Insurance
As you research and compare individual health insurance plans, you'll probably find information about Health Maintenance Organizations (HMOs). HMOs are essentially prepaid medical insurance plans. With an HMO, you become a member and pay a monthly premium. The HMO then provides complete health care for you, including regular visits to a doctor, hospitalization, surgery, and diagnostic testing. Emergency medical care and therapy are covered with an HMO as well. You can become an HMO member as an individual or include your entire family in the same plan. The HMO you choose will arrange for you to have medical care through a group practice it operates or through a network of approved medical professionals. Typically, HMOs require individuals to seek care from a list of approved doctors and hospitals. However, members may be permitted to seek care from any licensed physician or hospital if emergency treatment is needed. Co-Pays and Individual Medical Insurance
Often, HMO members are required to pay a co-pay each time they visit a doctor or receive treatment in a hospital emergency room. These co-pays are generally very small. HMOs may be easier on the wallets of their members than fee-for-service health insurance plans, as out-of-pocket costs tend to be lower with HMOs. Learn more about health insurance options and find the right individual plan for you by requesting free quotes online from Efinancial Health Insurance Services. Efinancial maintains a network of reputable agents throughout the country, allowing you to obtain local health insurance quotes. Get started with comparing health insurance plans; request your free online quotes today.
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