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To: Ilaine who wrote (125653)7/16/2005 7:16:09 PM
From: Constant Reader  Read Replies (1) | Respond to of 793866
 
Kaiser is one of the few genuinely non-profit HMO's left and, I believe, one of the few that does not use capitation rates. Their system used to be called the "staff model," as almost everyone (doctors, nurses, hospital employees) are paid employees of Kaiser. They also own their own hospitals. The Kaiser endowment was substantial the last time I checked (which was quite some time ago) and contributes greatly to their stability.

Unlike Kaiser, Most HMO's contract out for everything from routine doctor visits to hospital rooms and use some type of capitation rate.



To: Ilaine who wrote (125653)7/16/2005 8:31:51 PM
From: Lane3  Respond to of 793866
 
Yes, and that's why the "M" in HMO stands for, well, you know.

I wasn't trying to differentiate HMOs from fee for service plans. Neither of them is insurance in the classic sense. They're both health maintenance contracts. More alike than different. Both very different from traditional insurance, which is about the shared risk of the big but rare catastrophe.


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