Question

From the perspective of a caregiver, would you prefer traditional insurance or one of the managed care options (HMO,PPO) and why?

I need direct answers please, I'm not a health-care professional or caregiver, so I don't know which to choose.

Answer 1

I don't know what your text materials say about managed care options, so I'll offer my opinion.

As a caregiver, I prefer traditional insurance because it usually offers the patient and caregiver more options for treatment. When my husband's doctor diagnosed him with a life-threatening illness, he asked us to seek a second opinion and suggested several big-name diagnostic clinics within a day's drive. We chose one, received excellent treatment, and didn't have a problem with insurance. On the other hand, my granddaughter was covered by an HMO many years ago. When she had an accident as a gymnast, it was clear to the hundreds of spectators that she might have broken her neck or back. She was immediately rushed to the hospital -- and fortunately she was fine. However, the HMO hassled my daughter over the bill. Eventually she convinced the HMO that the hospital visit was an absolute necessity.

Answer 2

Thank you, you're a life saver!!

Answer 3

You're very welcome. :-)