I’ve been really confused at why people hate HMOs. My company has two options and the non-HMO is way more expensive. The only downside to the HMO seems to be very strict rules about out of network coverage but all our doctors take it so it’s not really an issue. I’ve also never needed a referral and they’ve never gotten in my way on aging, at least so far. But the hate makes sense if they used to be worse. I’ve only had a job with insurance for like 5 years.
I’ve been really confused at why people hate HMOs. My company has two options and the non-HMO is way more expensive. The only downside to the HMO seems to be very strict rules about out of network coverage but all our doctors take it so it’s not really an issue. I’ve also never needed a referral and they’ve never gotten in my way on aging, at least so far. But the hate makes sense if they used to be worse. I’ve only had a job with insurance for like 5 years.