Posted by Matt on Monday, July 14, 2008 at 5:37pm.
I don't know what your text materials say about managed care options, so I'll offer my opinion.
As a caregiver, I prefer traditional insurance because it usually offers the patient and caregiver more options for treatment. When my husband's doctor diagnosed him with a life-threatening illness, he asked us to seek a second opinion and suggested several big-name diagnostic clinics within a day's drive. We chose one, received excellent treatment, and didn't have a problem with insurance. On the other hand, my granddaughter was covered by an HMO many years ago. When she had an accident as a gymnast, it was clear to the hundreds of spectators that she might have broken her neck or back. She was immediately rushed to the hospital -- and fortunately she was fine. However, the HMO hassled my daughter over the bill. Eventually she convinced the HMO that the hospital visit was an absolute necessity.
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