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How to choose the health insurance coverage that is right for you?
What to look for in a policy in your particular situation?

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NewsTarget: "46.6 million Americans now have no health insurance: Uninsured gap widens"

 
health insurance maintenance
Health Insurance Net

The number of Health Maintenance Organizations (HMOs) is growing by leaps and bounds and is in direct correlation with increasing health care costs. 

The purpose of HMOs is to manage health care by using a prepaid model that emphasizes early treatment and prevention.  This prepayment is referred to as a service-incurred basis and is paid by the consumer.

This emphasis on prevention such as routine physicals, diagnostic screening is paid for in advance.  The model is a direct contrast to health insurance plans that historically did not pay for preventive programs but only paid after the fact for injury and illness.

In theory, the HMOs focus on prevention is ultimately supposed to reduce health care costs.  At the same time, HMOs provide medical treatment, hospital and surgical when needed.

There is another way that HMOs differ from the traditional health insurance providers.  HMOs have two step system that is not shared by insurance companies.  Under the traditional method, consumers receive the health care itself from the medical profession and the financial coverage from the insurance company.

In sharp contrast, the HMO provides both the health care services AND the health care coverage.

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