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
$ 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

Description of service

This is for the cost of an HMO through my employer for two adults and one child. My employer pays 50% of the cost. Our HMO has a $30 dollar copay for most services which means we don't have to pay a co-insurance or deductible per year. However, for emergency services, we do have to pay one hundred dollars for the visit if the HMO does not consider it to be a true emergency. If it is an emergency and you are admitted then your copay is waived.


Review of Service

So far, this is my interpretation of the service I have received. My HMO is very good at preventative care...check-ups and such. However, when I have a real problem that I need diagnosed, it never happens. I pay my co-pay and the doctor say it's nothing.


Tips

If your in relatively good health and need preventative care services, then an HMO is a good type of insurance because you don't pay any additional money other than your co-pays. If you ever feel like you need services right away but it's not of an "emergency" kind of service, go to their urgent care facility instead. Only the regular co-pay applies and you are seen that day also. Just be aware of the long wait for urgent care as well as ER. All medical insurance is quite expensive right now. If you are a person who wants more choices and flexibility than a PPO or POS plan would be the right one for you. Those types of insurance are generally more expensive.


$ 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