So many people attach stigma to
HMO's and in a perfect world, where private health care is affordable HMOs seem like ground turkey instead of prime rib, BUT private health care simply isnt affordable. Not only is it not affordable for working people who are in the midst of their earning years, but it is a large black hole emitting a loud sucking noise for people who worry about outliving their income.
The Good things about an
HMO is you are still able to see a doctor, without having to pay exorbitant premiums or co-payments, the bad thing is there are many corporate hoops to jump through if you need anything other than standard care. In saying that, I have to add that an
HMO is only as good as it's network of providers.
"Ohhh, but my doctor isn't on the provider list!" OK, don't join the
HMO continue paying for your Med Sup (which in my state run runs $160- $200 per month out of your $1000 per month income). Yes, this sounds harsh, but that is the reality many here in Florida face.
What is even worse is the disparity in managed care between urban and rural areas. I would kill for a decent
HMO in our area, instead we are stuck with PPOs and
PFFS which many doctors refuse to support because of either their own ignorance or the ignorance of their staff regarding billing procedures.
I am afraid whether we like it or not managed care is here to stay and it is a viable option for those seniors who by misfortune or bad planning can't afford $2400 a month for a med sup. jmho
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