What is an HMO plan?
An HMO plan offers healthcare services through a network of hospitals, pharmacies and doctors. Bear in mind that you’ll have no coverage for providers that aren’t in the plan’s network. This may be limiting, depending on the plan you choose. Typically, HMO plans do require you to get referrals to see specialists.
What is an HMO provider?
An HMO provider is a person or business that has agreed to provide services to HMO members. You will get a list of these when you purchase an HMO plan from individual HMO brokers in Washington.
What does HMO cover?
HMOs cover a wide range of healthcare services, and are fairly comprehensive. You’ll need to select a primary care physician (PCP), but the list of approved providers includes GPs, internists, pediatricians, and much more. They generally don’t cover out-of-network care, except in an emergency. You’ll need to pay a co-pay, but these are usually very low, and are only charged when you go for a doctor visit, test, or purchase prescription drugs.
Who Gets HMO Insurance?
The eligibility criteria for HMO insurance aren not complex, which makes HMO a great option for individuals and families. You may be required to live in the plan’s service area in order to be eligible, however. Contact an HMO insurance broker in Washington to learn whether you can get an HMO plan.
When Do You Get HMO Insurance?
Getting HMO insurance is easy. Talk to your insurance provider to understand when you can (and should) get HMO insurance. If you want an agency that cares, and which will go the extra mile to make sure you get a good plan, contact McGregor Benefits.
How Do You Get an HMO Health Plan?
Where can you buy an HMO plan?
You can buy a plan from a health insurance agency such as McGregor Benefits. Working with an agency is good, because they handle all the difficult work so you don’t have to. In addition, when you hire us, you pay nothing other than your premium. In other words, our services to you are completely free!
What’s the process like?
The process is very straightforward, and doesn’t take long. You will need to talk to an agent about your needs, budget and preferences. They’ll look up plans on the Washington Healthplanfinder and direct to the carrier. You can then go through the available options and see what you like best based on the premium, HMO networks, and other criteria.
About McGregor Benefits
We have expert HMO, PPO and POS insurance brokers on our team who would be happy to help you find the right plan. Insurance coverage is important so you can afford routine checkups, drugs and other healthcare services, and we will make sure you get a plan that meets your needs without crossing your budget.
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