Open Enrollment is Here!
For many members October is open enrollment month. We discussed insurance options in our
April Newsletter
but much more can be said.
When choosing Health insurance, HMOs are often a tempting choice because of the lowered monthly premiums, but the downsides to HMOs are numerous.
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The objective of an HMO is to contain medical costs by using "managed care" whose primary goal can be to limit the use of medical services.
-An HMO manager will decide whether or not you should recieve care and then decide which doctor you can see.
-With HMO's; treatment for stress related conditions can be prematurely terminated or denied, leaving patients with an inability to achieve medical clearance to return to work.
-The rising need for specialized care for behavioral health or substance abuse is often met with limited or denied treatment, or limited to outpatient programs.
-HMO premiums increase at rates equal to or greater than traditional insurance.
KNOW YOUR BENEFITS!
Open enrollment is the time to change to a health plan that offers more options. Make choices that give you more choices.
