Should I choose a HMO plan for my health insurance?

HMO plans have plenty of pros and cons – so it’s really up to you and what you’re looking for! A few considerations:

• Your budget. For HMOs, you will have less monthly costs but potentially more out-of-pocket costs per visit.
• How many visits you expect to make. If you plan on seeing various specialists or see a therapist consistently, you may be responsible for a per-visit cost (copay) which could add up. However, if you don’t plan on seeing a provider too often, it might be a more affordable option!
• If you need specialized care. If you plan on seeing a specialist, keep in mind that you will first have to see your PCP in order to get a referral. When you get a referral, you might not be able to pick the provider (however this provider will be in your network).

Thinking through the pros and cons of this type of insurance is most effective when you have a Summary and Benefits and a provider directory to reference for each of your service types. For example, if you plan to see a therapist, you would want to see how much each session costs to you and whether or not the therapist for you is within the HMO network.

CMC makes it easy to find a therapist in your network so you can make sure you’re seeing a high-quality provider at the lowest cost possible. Leave it to us to filter out the right insurance networks, your job is to connect with a great, vetted therapist in your area!