Posts Tagged ‘HMO plan’

California’s Timely Access to Medical Care

Sunday, February 14th, 2010

 Recently, the California Department of Managed Care has released some new guidelines for HMO patients, in order to create a more efficient and comprehensive level of care for these patients. Among the new rules:   

• A physician appointment within 10 business days of a request 

• A specialist appointment within 15 business days of a request 

• An urgent care visit within 48 hours of a request 

• Telephone access to a health care professional at all times.  

The state is giving health plans one year to comply with these new regulations. After the one year grace period, non-compliant carriers will face heavy fines. With the implementation of these new rules, it is hoped to reduce emergency room traffic, as more patients are able to obtain urgent care visits instead, as well as the overall reduction of appointment wait times (which benefit all patients – HMO and PPO alike).  

Opponents to these new regulations feel that this adds to an already strained system of primary care physicans, who are already in shortage. Fears also lie in the fact that the doctor would now be forced to spend less time with each patient. However, with the average waiting time to see a general practitioner at 20 days, it does seem that the pros outweigh the cons with these timely-access rules.

Understanding Insurance Terms

Friday, June 5th, 2009

We all know how confusing insurance terminology can be. Here is a short list of the most commonly used terms to help you better understand the fine print on your policy:

HMO: refers to Health Maintenance Organization. HMO’s provides comprehensive health care by network physicians to those in a particular geographic area. With an HMO, you need to access care through a designated Primary Care Physician.

PPO: Preferred Provider Organization. PPO plan members receive full coverage by using doctors and hospitals within the PPO network, or they can pay more to go outside of the network for care.

Deductible: The initial amount you pay in a calendar year before particular covered services are covered by your coinsurance.

Coinsurance: The percentage of the allowable amount or billed charges that you pay for covered services after meeting any applicable plan deductible.

Copayment: The fixed amount and/or percentage amount you pay for covered services.

Copayment/coinsurance maximum: The limit on the amount you pay for certain covered services during a calendar year. Once the maximum is reached, your insurance carrier will pay 100% of the allowable amount for all applicable covered services (up to specified maximums) for the rest of the calendar year. Certain PPO plan covered services, such as office visits, generally do not count towards these maximums, and continue to be your responsibility.

If you have any questions on plans, rates, or terminology, please give us a call or send an email and we will be happy to help you!


© 2009 Abrams California Health Insurance Agency. All rights reserved.
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