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.
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.
3 answers
Thank you, you're a life saver!!
You're very welcome. :-)
1 answer