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Strategies & Market Trends : VOLTAIRE'S PORCH-MODERATED -- Ignore unavailable to you. Want to Upgrade?

To: RR who wrote (59597)	11/5/2003 1:58:22 PM
From: Sully-	Read Replies (1) \| Respond to of 65232

Your HMO Questions Answered Q. What does HMO stand for? A. This is actually a variation of the phrase, "HEY MOE." Its roots go back to a concept pioneered by Moe of the Three Stooges, who discovered that a patient could be made to forget about the pain in his foot if he was poked hard enough in the eyes. Q. I just joined an HMO. How difficult will it be to choose the doctor I want? A. Just slightly more difficult than choosing your parents. Your insurer will provide you with a book listing all the doctors on the plan. These doctors basically fall into two categories -- those who are no longer accepting new patients, and those who will see you but are no longer participating in the plan. But don't worry; the remaining doctor who is still on the plan and accepting new patients has an office just a half-day's drive away and has a diploma from a Third World Country. Q. Do all diagnostic procedures require pre-certification? A. No. Only those you need. Q. Can I get coverage for my preexisting conditions? A. Certainly, as long as they don't require any treatment. Q. What happens if I want to try alternative forms of medicine? A. You'll need to find alternative forms of payment. Q. My pharmacy plan only covers generic drugs, but I need the name brand. I tried the generic kind but it gave me a stomach ache. What should I do? A. Poke yourself in the eye. Q. What if I'm away from home and I get sick? A. You really shouldn't do that. Q. I think I need to see a specialist, but my doctor insists he can handle my problem. Can a general practitioner really perform a heart transplant right in his office? A. Hard to say, but considering that all you're risking is the $15 co-payment, there's no harm in giving him a shot at it.