|
New York HMO Group
Health Insurance Info
|
|
Preventive care emphasis
|
|
Primary care physician
(PCP) coordinates your
total care
|
|
HMO Group Health
Insurance Overview
|
|
A HMO group health
insurance plan helps your
New York small business
control health care costs
through a closely managed
plan with an emphasis on
preventive care. Each
employee selects a Primary
Care Physician from a
network of providers. The
Primary Care Physician can
coordinate the total care of
the employee to help
ensure appropriate care is
received. An employee may
also seek care from any
provider in the network
without a Primary Care
Physician referral, subject to
a higher out-of-pocket
expense.
|
|
Subscribers to a HMO
receive medical services
from participating
physicians, clinics and
hospitals. An employee
chooses a primary care
physician from a list of
participating doctors. That
doctor is used for typical
circumstances such as
annual exams and usual
health issues. If the
employee needs to see a
specialist, be hospitalized,
or have lab or X ray work,
their doctor will refer them
to a provider or facility
within the HMO system.
Your employees doctor
must give authorization for
those services to be
covered by your HMO. In
other words, an employee
must see HMO approved
physicians and use HMO
approved facilities or pay
the entire cost of the visit
themselves.
|
|
Similar to Point-of Service
(POS) and PPO's, HMO's
have made arrangements
for lower fees with a
network of health care
providers and give their
policyholders a financial
incentive to stay within that
network.
|
|
An employee may have to
pay some portion of the
cost (co-payment) for each
office or hospital visit, such
as $20 per doctor visit,
regardless of what the
services cost. Also, some
services such as
emergency room, mental
health and chemical
dependency services, may
carry additional costs in a
New York HMO health
maintenance plan.
|
|
914-276-6000
|
|
800-498-1819
|
|
Click on the link below to
fill out a New York Group
Health Insurance quote form.
|
Direct Access Group Benefits, Inc.
© 2004, All Rights Reserved
© 2004, All Rights Reserved
|
(914) 276-6000
(800) 498-1819 toll free
(914) 401-9319 fax
|
|
189 Route 100
PO Box 590
Somers, New York 10589
Westchester County, NY
|
|
Group Benefits
|
|
Direct Access
|
