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the Price of Health Insurance from an HMO

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$ 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
$ 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

Description of service

I pay $240 per month for an individual health plan with a large Southern California HMO. The plan allows for $10 prescriptions, $20 appointments, and $20 for lab work or x-rays. $100 for outpatient surgery, and I don't remember the fee for overnight stays. The emergency room fee is $100, but that's only if they don't admit you--I think they claim that they charge you for using the ER when it wasn't a real emergency).

Review of Service

I was born in and grew up with this HMO, so I'm very familiar with its workings. As a general rule, I have found that this kind of health care is excellent for normal health conditions. If you have anything that is easy to diagnose, then you will receive excellent and affordable care. Broken bones, stitches, strep throat...I have had all of these things and more, and received excellent care throughout.

On the other hand, if you have a condition or injury that is a little out of the ordinary, you may find that your doctors are not as helpful as they could be. Self-advocacy is an important trait in these situations.

I had one experience where the diagnosing nurse refused to listen to me, and misdiagnosed my condition--she gave me antibiotics for an ear infection, when there was actually a hole in my eardrum!

I took the initiative to make a second appointment, got the correct diagnosis, and the three procedures necessary to correct it.


As with any health insurance, make sure you understand what you are getting yourself into. Sometimes it is necessary to self advocate, but for most of the easy stuff, HMOs can be the best care for the best price.

$ 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