In the last post, I delved on the features of the HMO based affordable health insurance plans and what makes them such a favorite amongst the health insurance subscribers. Under a typical HMO plan, you are rid of the obligations to negotiate for claim settlement and prove other formalities.
As soon as you check in the in-network hospital for the treatment of any disease or accident against which you are insured or covered, the hospital authorities look into the task of realizing their full claim amount by providing the required proofs and papers. You just have to pay the amount of deductible or the co-payment (which is a percentage of the total treatment expense) out of your pocket.
In day-to-day life also, if you are covered under HMO plans, you are entitled to subsidized routine check-ups and concession on prescription charges. This may not seem to be a great advantage if you consider only the common flu or blood tests. But once you consider a simple EEG or ECG or critical which generally cost around $100 which you can now get done in almost $20 – $40, you just can’t believe your luck!!
Moreover, proper routine checkups means early detection of any virus or pathological bacteria and timely treatment of it which further saves you from any untoward infection or condition. The only probable hitch is the provision that says that one has to choose from the in-network physicians and medical centers.
One can’t be sure of the quality and the reliability of the services and treatment provided in any of them. Also, the medical centre who has agreed to align its services with the insurance firm may not be in your vicinity or district.
The amount of deductible also poses problems for some people who are looking for cheap health insurance quote which will lead them to an affordable health insurance plan. This is because; high deductible or co-payment is a necessary feature of an affordable health insurance plan because this makes sure that the premium you pay on the health insurance plan is on the lower side.
What I seek to propose here is that the insurance companies should come up with a way between both kinds of plans and giving the customers the benefits of both of them. The ability to choose the physician and the medical centre coupled with the no-tension-easy-settlement feature of HMO plans.
So buy your affordable health insurance from us as we offer the best health insurance packages
Leave a comment