Description of service
My husband was able to get all of us on his employer's HMO insurance plan for $320 per month. The deductible was not too bad ($500 per person, per year) and we were able to use our regular family doctor. We had a 20% copay. We did have to get a referral to see anybody else, but we were able to obtain it without too may problems.
Review of Service
This particular HMO insurance was good. Although we had to wait approximately a week to get approval to see an ear, nose and throat doctor for our son, it was approved. The $500 deductible was easy to meet, but the 20% copay, while fairly low, was harder to meet when we got referred to a specialist for surgery.
Tips
Research the HMO insurance company thoroughly. They are not all created equal. Although I liked the first HMO insurance company, my husband's employer switched companies on us and the second one was terrible.
The first one paid all claims within a month or two, and we even managed somehow to get a small portion of our doctor's payments refunded. The second company routinely took 6 months or so to even process the claims and routinely denied many of them. It seemed like every time you would call to discuss the claim you would get a different person, and the person you originally spoke with was "no longer there". As a result, we either had to pay all of the claims and hope for reimbursement or risk collection efforts.
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