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Health & Insurance----You have heard the HMO, you see the ad, can the term, the term HMO or health insurance have read. Of course, the question arises whether it is an HMO? To reduce your curiosity, here I try to HMO's post.

HMO (Health Maintenance Organization) is an insurance option managed care, focusing on reducing health care costs for members. HMO's, including insurance companies, doctors and hospitals work together to affordable health care. As the name suggests, this option in health care was an incentive for early treatment of the need for intensive care after the test is to prevent.

HMO is a type of health care systems in the United States, members can limit access to medical care and personal expenses, which are normally found in health care. Reduce costs, HMO's are trying to promote health care, to avoid it for future medical emergencies.

Participants choose a doctor from the HMO or PCP. PCP is the first point of contact for medical care, including primary production and disease. The ease and convenience of going to the doctor for all medical needs, promoting the use of early intervention, health care. There is also a physician before he want to become a specialist in the HMO provider. HMO network of primary schools, specialists and hospitals, depending on the specific plan and may change very little.

Cost-containment bag is the main reason HMO's attract people who have health insurance. A member of an HMO pay a flat fee regardless of the number of doctor visits is necessary, it is certainly very interesting.

Members may request that the co-payments required for each visit to your PCP. Some options require that the members of managed health care system pay a deductible before insurance coverage to pay all medical bills.

Advantages of HMO's that this does not require a deductible expense, so more members. HMO's are required to cover all medical costs in the network without restricting the payment of benefits for life.

There are three main types of HMO staff model, group model and network model.

Staff-model, HMO doctors and pays wages directly to their employees. HMO doctors under contract in the building and serve HMO members only.

Model group, are not direct employees of the HMO, the doctors, but the HMO contracts with physician group and distributes payments to doctors.

Network model, the most commonly used option, the HMO contracts with a combination of different groups of doctors and people.

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