Everyone deserves the best health care, and I do mean everyone. Getting sick shouldn’t have to make you worry about losing more money than you should. Your body is working double-time to get better, and you should be focusing on helping yourself along, not other things that can drain you. Aside from resting, taking your medicines, and positive thinking, a good HMO can be crucial in helping you get better the sooner.
There are many options out there, and of course, you want to invest in one that suits your needs the best while delivering optimum value for your money. Here are some suggestions to help you choose the best HMO for you.
Study the coverage of the HMO. Does it cover common illnesses (The flu, ear infection, fractures) as well as some slightly uncommon ones (Dengue, Appendicitis, Tuberculosis)? What about accidents and emergencies, like chemical burns and such? Does it cover dental? What about OB-Gyn, Pre-natal, and Post-natal care? Does it cover hospital admission? Emergency transport? Some HMOs may not cover some of these particulars, so be mindful of that.
Check the medical facilities where the HMO is honored. Are any of these places accessible from your home or workplace? Do they allow admissions and visiting relatives?
If you have dependents, you may also want to check if the HMO can extend its services to them. The company might charge you a certain fee for every additional dependent you include, so chose your HMO wisely.