Coventry Health Insurance of Georgia (GA) | Health Insurance GA | The Good, The Bad, and the Ugly of an HMO Health Insurance GA Plan

Health Insurance GA

The Good, The Bad, and the Ugly of an HMO Health Insurance GA Plan

Many people have heard of HMO health insurance GA plans, but are not sure if what they have heard is good or bad. There are many misconceptions and generalizations going around about HMO health insurance GA policies. The truth is that an HMO plan may be a good idea for you, or it may be too limiting for you. There are advantages and disadvantages to HMO health insurance GA plans, and you are the only one that can decide if it is good for you or not.

HMO stands for Health Maintenance Organization. Roos-Loos Medical Group in Los Angeles, California, is credited as being the first to offer an HMO plan. The idea behind the HMO is that the members of the plan can receive medical services from a specific group of physicians, hospitals, and other health providers, for a set premium per month. The Los Angeles HMO group eventually grew, and through mergers and acquisitions, eventually became Cigna, which is still around offering many different health insurance products, including HMO health insurance GA plans.

When an individual enrolls in an HMO health insurance GA plan, they pay a monthly premium in exchange for medical benefits. They are then given access to a network of physicians, pharmacies, hospitals, and other health care related providers. The members will receive benefits if they stay within the network. There are no benefits if members choose to go to a physician who is outside the network. That is part of the HMO health insurance GA plan agreement.

Another important factor that is true of HMO health insurance GA plans it that each member is required to designate one physician as their Primary Care Physician (PCP). This physician is then assigned to oversee the member's complete medical care. This means that if the member wishes to see a specialist, or go to another facility or doctor, the PCP must write a referral. Everything has to go through the PCP in order to receive benefits. The purpose of this is to have one physician be in charge of medical treatment, in order to make sure that things do not get repeated and that unnecessary treatment does not occur. This is how HMO health insurance GA plans work to keep costs down. To some people, this is a drawback of HMO health insurance GA plans. However, it can be to many people's advantage to have one doctor be so closely tied and responsible to that person's medical care. Someone who has a complicated medical history would be well-served to have one regular physician. In the old days, this is how it was.

HMO health insurance GA plans work hard to keep costs down by negotiating fees with physicians and hospitals. Their physician network is smaller because some doctors do not want to agree to the lower HMO health insurance GA plan fees. However, there are all kinds of physicians and specialists who do become part of HMO networks. They are committed to patient care and to keeping costs down. HMO health insurance GA plan carriers are constantly evaluating doctors' performance in order to have very high quality staff in network.

An HMO health insurance GA plan is an excellent low-cost way to provide health insurance benefits for yourself and your family.

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