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Are HMO's better now for health coverage? I am starting a new job and choosing coverage for my family.? |
Are HMO's better now for health coverage? I am starting a new job and choosing coverage for my family.? PPOs are the best; they allow you to choose your own doctor, and generally speaking, you don't need to have a doctor's recommend to see a specialist. The doctors operating under a PPO have more leeway in how they treat you medically as they are not beholden to the insurance companies, whose desire is to save money and often deny necessary treatments because of the costs involved. They might be slightly more expensive than an HMO, but the benefits of the PPO greatly outway the cost. Depends on where you live and what is important to you...I urge you to get the book "Healthcare for Less" by Michelle Katz at your local Barnes and Noble.....it helped me decide by showing me ways that I can save money in healthcare and pointed out the insurance options that are out there in simple terms....gave me questions I should take into consideration and guess what...I found that the HSA was best for me. I hope this helps!!! |
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