When you have HMO insurance, you get your healthcare from doctors, hospitals, and clinics that are part of the HMO’s network. This means they have agreed to provide care to members of the plan at lower rates. Each HMO plan has its own group of healthcare providers, and you usually ne...
所以, 用传统的教科书的"保险"观念去套在现在的health insurance上, 很多地方已经不太适用了. 我甚至都不太确定, 它究竟还能不能被称作是一个"平均转嫁风险"的工具. 直接理解成“平均分摊cost”可能还容易点.最初的healthcare insurance还没有和传统定义上的保险(即平摊随机的风险)离开太远, 那个时候保险公司肯...
Explore health insurance options including Medicare, Medicaid, individual and family, short term and dental, as well as employer plans.
HMO Health Insurance PlansJohn Clark
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Similar to a catastrophic plan, you may be able to pay less for your insurance with a high-deductible health plan (HDHP). With an HDHP, you may have: One of these types of health plans: HMO, PPO, EPO, or POS Higher out-of-pocket costs than many types of plans; like other plans...
It is important to note that your health insurance plan should have both a plan category and a plan type. For example, you can have a Bronze HMO or a Gold EPO. Read more aboutHMO vs. PPOhealth plans. Individual vs. Group Plans
Summary: How to choose health insurance Here’s a quick recap: Go to your online health insurance marketplace and view all of your plan options. Decide which type of health insurance plan — HMO, PPO, EPO or POS — is best for you and your family, and whether you want an HSA-eligible...
Health insurance protects you and your family against financial calamity when you become ill or incapacitated. Browse Investopedia’s expert written library to learn more.
Coverage under an HMO is generally fairly restrictive and comes at a lower cost to insured parties. Traditional medical insurance charges higher premiums, higher deductibles, and higher co-pays. However, non-HMO plans are much more flexible. People with health insurance don’t need to have a p...