Family HMO Insurance plans - Do These Family Health Insurance Plans
Work?
(Page 2)
There are some HMO plans that have a deductible and this usually
pertains to prescription drug care. Other plans do not due to the agreed
upon contract for your out-of-pocket expenses regarding health care
services.
What are the benefits and drawbacks of family HMO plans?
With an HMO plan, you can choose to open a Flexible Spending Account
(FSA). This type of account allows you to set aside money for
copayments, prescription drug therapy, along with other items that are
part of an approved list ? tax free. When choosing an HMO plan it is
important to find a medical professional that is on the approved list
that also meets the needs you have for your family. HMO plans normally
only cover those doctors and or services that are within their network,
unless of course you encounter an emergency. Your PCP is the hub around
all other necessary medical services.
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