learn what other users had to say about

the Price of Health Insurance from an HMO

Price 
Location 
Submitted by  
Description
$ 750
Mar 2008
Richlandtown, PA
HMO plan for spouse and two children  more... close row

Description of service

HMO plan for a spouse and children.My husband's company covers his plan cost, but we currently pay out of pocket for me and our two children. Our co-pay for office visits is $20 and specialist is $40. Hospital stays are $250 a day and emergency room is $150, not waived if admitted. Medications are varied, with most $20.


Review of Service

When we first got this plan, the copays were significantly lower than they presently are. The doctor visits were initially $10, specialist $20, medication $10, and hospital visits were covered. Emergency room was $100 waived if admitted. At the time, the plan was also significantly cheaper per month. In the past couple of years, costs per month have risen, while benefits have decreased. The company itself has been very kind to us and helpful in different situations where we were not aware of coverage. They helped us to switch primary physicians quickly when we moved and the access to doctors is fabulous. My only issue with the company is the cost. To continue the same level of care that we are used to is costing us more than is reasonable on a monthly basis. Healthcare costs are obviously a large issue today, and I am personally feeling at this point that I am paying for more than I am receiving.


Tips

It is very important to always look at all the fine print when your plan is updated every year. Many companies regularly up their cost and lower their services. If you don't look carefully at the changes that are happening, you can get locked into paying for a service that you no longer want.


$ 134
Mar 2008
North Canton, OH
Happy with HMO health insurance  more... close row
$ 1000
Apr 2008
Anaheim, CA
HMO means must get appointment far in advance  more... close row
$ 556
Jan 2008
Memphis, Tennessee
Monthly premium for two adults and three children  more... close row
$ 218
Jul 2007
Sacramento, CA
Paying online saves money on payment  more... close row
$ 140
May 2008
Phoenix, AZ
Additional coverage besides medicare  more... close row
$ 52
Jun 2008
Harrisburg, PA
Getting money's worth from HMO  more... close row
$ 159
Jun 2008
Brockton, MA
Biweekly payment for HMO  more... close row
$ 450
Mar 2008
Alhambra, CA
HMO through employer  more... close row
$ 955
Jun 2008
Lexington, KY
Highest level of coverage best if health concerns  more... close row
$ 90
Jun 2008
Chicago, Illinois
Employees monthly contribution to HMO  more... close row
$ 120
Apr 2008
Lincolnton, NC
Switching from PPO to HMO  more... close row
$ 40
Aug 2007
Bay City, Texas
Check HMO's consumer approval rating  more... close row
$ 240
Oct 2007
San Diego, CA
Individual Health Plan with large HMO  more... close row
$ 320
Mar 2007
Warren, AR
Monthly premium for family from employer's HMO  more... close row
$ 293
Jun 2007
pines, fl
Price per month for HMO plan  more... close row
$ 8000
Feb 2007
San Francisco CA
Premium for a couple for one year  more... close row