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indemnity coverage, a good comprehensive policy costs far less money and pays
benefits more readily than a disease-specific plan. In some states, insurance regulators
have prohibited the sale of cancer insurance, due to the questionable sales
practices they could invite that take advantage of people’s fears of this disease.
THE HMO (HEALTH MAINTENANCE ORGANIZATION) ALTERNATIVE
Instead of choosing your own doctors and getting reimbursed for expenses
under the traditional fee-for-service health insurance plan, your employer might
offer you the HMO alternative. Hundreds of HMOs across the country offer full
medical services for a flat annual fee, which you may pay part of on a monthly
basis. That fee might be several hundred or several thousand dollars
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the HMO, your employer, and the plan coverage.
When you become an HMO member
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medical services. You can visit a doctor for preventive checkups
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minor problems, or emergencies, sometimes for a small fee of $5 or $10 per visit.
If the HMO runs a central medical facility, you must go there for all procedures.
However,
