Quote:
Originally Posted by Jim_Gunn
I believe all HMO's require you to go to a doctor in their network by default, but I think there is also a way to file a claim for reimbursement if you go elsewhere. Is there any plan that lets you choose any doctor or hospital without discrimination? Luckily I haven't had to use mine much. The local walk-in clinic I go to on rare occassions when I am sick costs me only a $40 co-pay to see a doctor and I get decent discounts on medicines and dental work anywhere I want to purchase them.
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Our plan is a PPO very similar to yours with a $20 co-pay prescription drug plan as well but we can choose private doctors and hospitals of which most in the area are part of the plan.