HMO New York

Everybody needs affordable health care coverage. There are many different HMO's and PPO's to choose from, so it is important to know the facts before you settle on a company.


1 . Local Companies

Sid Mukherjee
1633 Broadway
New York, NY
Stephen Jenkins
18 Division Street
Saratoga Springs, NY
Matthew Berman
1393 Veterans Memorial Highway
Hauppauge, NY
William Martone
50 Main Street
White Plains, NY
Lee Cameron
315 Madison Avenue
New York, NY
Helen Beichel
1133 Park Place
Brooklyn, NY
Donald Conrad
1377 Motor Parkway
Islandia, NY
Jeffrey Lewis, CFP, ChFC
7 White Deer Court
Huntington, NY
Bruce Gaynor
6 Tower Place
Albany, NY
Jared Cutler
611 Pondside Drive
White Plains, NY
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2 . What Is An HMO?

An HMO is a Health Maintenance Organization. Specifically, it is a type of health insurance that is used by those living in the United States. It is not quite like traditional health care coverage. An HMO is allowed to set their own guidelines under which doctors can operate. An HMO usually costs less than having regular health insurance, but may have limitations to what kinds of treatments are available. They may have more of a say in your health care services than one may desire, yet they are usually much more affordable.

In the early 20th century, many businesses started to offer their employees medical programs that were prepaid. Those people were taken care of as long as they stayed within the allowed procedures. In the year 1973, the HMO Act was passed, and the HMO became a mainstay in the American medical community.

Cheaper insurance can be received with an HMO, because the HMO can negotiate for more affordable health care than a patient with no health care plan would get. An HMO can eliminate treatments that they deem unnecessary, thus reducing costs and fees. This may or may not be beneficial to the person using the HMO. There are many different HMO's operating in the United States today.

3 . Advantages Of An HMO

Being a member of an HMO may have many advantages. First, the cost is usually minimal. Many insurance companies have co-payments, meaning you are responsible for a certain percentage of your medical bill or prescription. Or, there could be an annual deductible that a patient has to meet before the insurance company will start paying for coverage. Many HMO members simply pay one monthly fee, and it does not matter how much medical attention they receive per month.

HMO's don't just cure sickness and disease; they also attempt to prevent it. They encourage their members to seek out medical treatment early. This way, issues may be resolved before they get too severe, thus costing more money. HMO's typically offer well-baby visits, immunizations, mammograms, and physicals. This way, problems may be caught early, preventing the need for more costly medical services later. Also, there are many HMO's that offer other preventative care, such as discounts to gyms, or health education classes to increase your knowledge of better health. Even if the issues are severe, HMO's typically don't have a limit of your lifetime benefits, which is not like most insurance plans. As long as you are a member, your HMO will cover your treatment. An HMO can be a great type of medical insurance for you and your family.

4 . Medicare

Medicare is one of the most used insurance programs for senior citizens today. This program is provided by the government, and can give coverage to those ages 65 and older, or those with a disability, no matter what your income is. There are three parts to Medicare: Part A, Part B, and Part D.

Medicare Part A covers care that is received in a hospital as an inpatient, in a nursing home, and also home health care and hospice care. Part B is for medical services that are deemed both necessary and reasonable. These will include visits to the doctor, any x-rays that may be needed, any laboratory or blood work done, ambulance service, outpatient health care, and any home health care that is necessary. It may also include necessities such as a hospital bed needed in the home, or a wheelchair, as well as some medical supplies for use in the home. Medicare Part D is a generally new program that covers prescription drugs. It is currently only available through either private drug plans or private health plans through Medicare.

A person who is eligible for Medicare must be 65 years or older and have been a United States citizen for 5 straight years. You may also be eligible if you are under 65 and disabled, and have been getting disability benefits through social security (also called SSDI) for a minimum of 2 years. You may also receive Medicare if you receive dialysis for permanent kidney failure, or if you are in need of a kidney transplant. Those who have Amyotrophic Lateral Sclerosis can also qualify for Medicare services.
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- HMO Elmhurst NY
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- HMO Elmont NY
- HMO Endicott NY
- HMO Fairport NY
- HMO Far Rockaway NY
- HMO Farmingdale NY
- HMO Farmingville NY
- HMO Floral Park NY
- HMO Flushing NY
- HMO Forest Hills NY
- HMO Franklin Square NY
- HMO Fredonia NY
- HMO Freeport NY
- HMO Fresh Meadows NY
- HMO Fulton NY
- HMO Garden City NY
- HMO Glen Cove NY
- HMO Glen Oaks NY
- HMO Glens Falls NY
- HMO Gloversville NY
- HMO Great Neck NY
- HMO Hamburg NY
- HMO Hauppauge NY
- HMO Hempstead NY
- HMO Hicksville NY
- HMO Hilton NY
- HMO Holbrook NY
- HMO Hollis NY
- HMO Hopewell Junction NY
- HMO Horseheads NY
- HMO Howard Beach NY
- HMO Huntington NY
- HMO Huntington Station NY
- HMO Islip NY
- HMO Ithaca NY
- HMO Jackson Heights NY
- HMO Jamaica NY
- HMO Jamestown NY
- HMO Kew Gardens NY
- HMO Kings Park NY
- HMO Kingston NY
- HMO Lancaster NY
- HMO Larchmont NY
- HMO Latham NY
- HMO Levittown NY
- HMO Lindenhurst NY
- HMO Little Neck NY
- HMO Liverpool NY
- HMO Lockport NY
- HMO Long Beach NY
- HMO Long Island City NY
- HMO Lynbrook NY
- HMO Mahopac NY
- HMO Malone NY
- HMO Mamaroneck NY
- HMO Manhasset NY
- HMO Manlius NY
- HMO Maspeth NY
- HMO Massapequa NY
- HMO Massapequa Park NY
- HMO Massena NY
- HMO Mastic NY
- HMO Melville NY
- HMO Merrick NY
- HMO Middle Village NY
- HMO Middletown NY
- HMO Mineola NY
- HMO Monroe NY
- HMO Monsey NY
- HMO Mount Kisco NY
- HMO Mount Vernon NY
- HMO Nanuet NY
- HMO New City NY
- HMO New Hartford NY
- HMO New Hyde Park NY
- HMO New Paltz NY
- HMO New Rochelle NY
- HMO New Windsor NY
- HMO New York NY
- HMO Newburgh NY
- HMO Niagara Falls NY
- HMO North Babylon NY
- HMO North Tonawanda NY
- HMO Nyack NY
- HMO Oakland Gardens NY
- HMO Oceanside NY
- HMO Ogdensburg NY
- HMO Olean NY
- HMO Oneonta NY
- HMO Orchard Park NY
- HMO Ossining NY
- HMO Oswego NY
- HMO Ozone Park NY
- HMO Patchogue NY
- HMO Pearl River NY
- HMO Peekskill NY
- HMO Penfield NY
- HMO Pittsford NY
- HMO Plainview NY
- HMO Plattsburgh NY
- HMO Port Chester NY
- HMO Port Jefferson Station NY
- HMO Port Washington NY
- HMO Potsdam NY
- HMO Poughkeepsie NY
- HMO Queens Village NY
- HMO Queensbury NY
- HMO Rego Park NY
- HMO Rensselaer NY
- HMO Richmond Hill NY
- HMO Ridgewood NY
- HMO Riverhead NY
- HMO Rochester NY
- HMO Rockaway Park NY
- HMO Rockville Centre NY
- HMO Rome NY
- HMO Ronkonkoma NY
- HMO Roosevelt NY
- HMO Rosedale NY
- HMO Rye NY
- HMO Saint Albans NY
- HMO Saint James NY
- HMO Saratoga Springs NY
- HMO Saugerties NY
- HMO Sayville NY
- HMO Scarsdale NY
- HMO Schenectady NY
- HMO Selden NY
- HMO Shirley NY
- HMO Smithtown NY
- HMO South Ozone Park NY
- HMO South Richmond Hill NY
- HMO Spencerport NY
- HMO Spring Valley NY
- HMO Springfield Gardens NY
- HMO Staten Island NY
- HMO Stony Brook NY
- HMO Suffern NY
- HMO Sunnyside NY
- HMO Syosset NY
- HMO Syracuse NY
- HMO Tarrytown NY
- HMO Tonawanda NY
- HMO Troy NY
- HMO Uniondale NY
- HMO Utica NY
- HMO Valley Stream NY
- HMO Vestal NY
- HMO Wantagh NY
- HMO Wappingers Falls NY
- HMO Watertown NY
- HMO Watervliet NY
- HMO Webster NY
- HMO West Babylon NY
- HMO West Hempstead NY
- HMO West Islip NY
- HMO Westbury NY
- HMO White Plains NY
- HMO Whitestone NY
- HMO Woodhaven NY
- HMO Woodside NY
- HMO Wyandanch NY
- HMO Yonkers NY
- HMO Yorktown Heights NY
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