Many Americans who do not have health insurance think they can not afford it. Truth be told, what they can’t afford is to be without it. Medical debt is one of the leading causes of bankruptcy today, and with health care costs on the rise, it is now more important than ever to have health insurance to protect your finances, avoid medical debt, and ensure you will be able to receive the care you need when you need it. Whether you are a recent college graduate, between jobs, or simply don’t get medical coverage through your employer, you will find that buying HMO health insurance can be affordable and offer you peace of mind–here’s how.
1. Save money with HMO health insurance
Buying health insurance can be affordable with an HMO plan because:
- Typically, you need not meet a deductible before HMO health insurance benefits kick in, and
- Copays are typically low, some as little as $5 or $10 per office visit. Once you have made your copay, the insurance company covers the rest of the office visit.
2. Choose the plan that’s right for you
The myriad of options available means that there is bound to be a plan suited to your needs. Navigate HMO health insurance plans for free, online, by comparing options side-by-side and choosing from plans that cover brand-name prescriptions, baby care, and even dental care, just to name a few options. Here are some things to know before you begin buying health insurance:
- How many people you plan to ensure
- Ages of those to be insured
- Their relationship with you
- Preexisting and chronic conditions
- Employment status of yourself and those under your policy
- Your current insurance, if you have it
3. HMO health insurance is simple to use
Health plan benefits are easy to access with an HMO health insurance plan. Simply show your card at the doctor’s office and they will handle the billing for you. There is no waiting for reimbursement. Because HMO billing systems are often simplified, there are fewer problems than other types of insurance providers may encounter.
4. Explore your HMO health insurance plan’s network
HMOs, short for Health Maintenance Organizations, are made up of networks of health providers and hospitals. It is easy to find and choose health care providers that are in your HMO’s network. Most insurance companies allow you to search on their website for in-network doctors and hospitals near you. Your insurance company’s website may even provide you with information about the doctors, such as gender, when and where they went to medical school, what languages they speak, and most importantly, if they are currently accepting new patients!
5. Choose your primary care physician
You will team up with your primary care physician (PCP) to coordinate your health care when you have HMO health insurance. Typically, internists, general practitioners, family practice doctors, OB/GYN, and pediatricians can all be considered PCPs. Your PCP will provide you with basic health care needs, but can also to refer you to a specialist within the network should you ever need one.
6. HMO health insurance covers you in an emergency
Emergencies are always covered! Never fear–if the unthinkable happens and you need to rush to the ER, it will be covered under your health plan benefits, even if the hospital is not in your HMO network.
7. Never max out
Most HMO health insurance plans do not have a maximum lifetime benefit amount. There is no need to worry about your medical benefits running out, should you or your family member experience a serious illness, need an organ transplant, or need long-term medical care.
8. Don’t be tied down
If you buy your HMO health insurance through getinsured.com, you do not have to sign a contract, and you can cancel at any time. This feature is excellent for those who are unemployed or recent college grads because if you get a job that will provide you with health insurance, you aren’t locked into a contract.
9. Control your costs with an HMO health insurance plan
Opting for an HMO health insurance plan keeps your health care costs in check. The HMO tells doctors and hospitals how much they can charge for everything. Whether it is the fee for an office visit, a simple blood test, an x-ray, an emergency room visit, delivering a baby, or open-heart surgery, the HMO has a cap on what the maximum cost can be.
10. Stay healthy
Most importantly, HMO health insurance plans focus on keeping you healthy. In fact, the whole idea behind the invention of the HMO plan was to keep people healthy-rather than wait until they’re sick to treat them. Things like wellness visits, vaccines, physicals, mammograms, and well-baby visits are affordable and sometimes even free as long as you use providers in your HMO network. Many HMO health insurance companies also provide members with educational materials about staying healthy and how to manage any chronic medical conditions they may have. Their emphasis on preventative care helps keep you and your family at your best. After all, staying healthy is the best way to save money on health care, and when you partner with your HMO health insurance company, you have a recipe for success.