the Price of Health Insurance from an HMO

This is for the cost of an HMO through my employer for two adults and one child. My employer pays 50% of the cost. Our HMO has a $30 dollar copay for most services which means we don't have to pay a co-insurance or deductible per year. However, for emergency services, we do have to pay one hundred dollars for the visit if the HMO does not consider it to be a true emergency. If it is an emergency and you are admitted then your copay is waived.

So far, this is my interpretation of the service I have received. My HMO is very good at preventative care...check-ups and such. However, when I have a real problem that I need diagnosed, it never happens. I pay my co-pay and the doctor say it's nothing.

If your in relatively good health and need preventative care services, then an HMO is a good type of insurance because you don't pay any additional money other than your co-pays. If you ever feel like you need services right away but it's not of an "emergency" kind of service, go to their urgent care facility instead. Only the regular co-pay applies and you are seen that day also. Just be aware of the long wait for urgent care as well as ER. All medical insurance is quite expensive right now. If you are a person who wants more choices and flexibility than a PPO or POS plan would be the right one for you. Those types of insurance are generally more expensive.