Health Maintenance Organization plans HMO plans for short offer affordable coverage with predictable expenses.
HMO plans are able to offer affordable healthcare by controlling the costs of elective care. In an HMO plan, your healthcare is organized by a primary care physician. This physician is responsible for your routine care and exams, and refers you to specialists when needed. HMO plans are cheaper than PPO plans for the compareble benefits. HMO plans also have a smaller network of healthcare providers.
To take advantage of the coverage, you have to use providers within the plan's network. This can be an inconvenience if your current doctor isn't part of the network. But since Blue Cross has one of the largest networks in California, finding a healthcare provider is easy. Blue Cross even has a Provider Finder to help you locate a healthcare professional near you.
Blue Cross HMO plans have low deductibles. And some of the plans have no deductible. Doctor visits have copayments as low as $10. And generic drugs only cost $10 a prescription, too.
Other HMO benefits:
80% coverage of inpatient hospital fees- Maternity coverage only a $10 copay for doctor visits
- Coverage for physical therapy and chiropractic services
- No charge for x-rays and anesthesia when related to a doctor's visit
Because of the controlled costs, budgeting for your healthcare needs is easy. And if you choose an HMO plan with no deductible, you don't have to pay out for your coverage to kick in.
While HMO plans aren't as flexible as PPO plans, the savings and the predictability of expenses are worth it for most people and families. And if you or someone in your family has a pre-existing condition, an HMO plan could be your best option.
Blue Cross of California offers these HMO plans:
- The Blue Cross of California HMO Saver
- The Blue Cross Select HMO
- The Blue Cross of California Individual HMO
To get more info about your HMO options, get a free quote today. Get instant plan benefits comparison and with simple online application process you will have the covereage of your choice.
