Why Choose an HMO?

Health Management Organizations, or HMOs, are among the most popular health plans in America. The biggest reason for their popularity? Their low cost. HMOs combine quality care with affordable rates.

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HMOs have their downside. Your options for choosing a doctor are limited. And you may be required to get pre-approval for serious medical care. But despite these limitations, people keep turning to HMOs when it’s time to pick an insurance plan.

The Advantages Of HMOs

The biggest selling point of an HMO is its predictable costs. Most HMOs have no deductible, so you don’t get stuck paying out thousands if you visit the hospital. Instead, you make modest copayments for medical care — often as little as $20 each time you visit your doctor.

Another benefit of enrolling in an HMO is that they often have no “lifetime maximum.” Many health plans set a limit on the amount of care they will pay for — usually a few million dollars. That may seem like high maximum — but healthcare costs add up quickly. With no lifetime maximum, you’ll never worry about “running out of coverage.”

There is also the advantage of quality assurance. With a managed care network — such as an HMO — the insurance plan partners with doctors and hospitals who meet its standard of healthcare excellence. That takes a lot of the guesswork out of choosing a doctor.

Finally, there is the emphasis that HMOs place on wellness and prevention. For a long time, health insurance was focused on helping you pay your bills after you got sick. To prevent those illnesses — and the bills that go with them — from happening in the first place, HMOs have made it easy to get the routine preventive care that we need to stay healthy.

HMOs make perfect sense for many people who need health coverage. But they aren’t for everyone. To find if choosing an HMO is your best option, talk with our network of licensed agents. Fill out an easy online form, and you’ll be contacted with free quotes from agents.