Nwit
Expert
- 46
Hi....
I am studying for a Florida license. My wife changed jobs 7 months ago and was able to join their group health plan 2 months ago.
The premium for the two of us is $1,100 monthly. It is a PPO through Blue Cross Blue Shield. We have been on an HMO for years and were very satisfied.
I had a triple bi-pass 5 years ago and OOP was around $1,000.
I asked her about an HMO option and she said there was no HMO option. I was surprised!
So this morning while studying my manual and I come across this:
"The Health Maintenance Act of 1973, which provided some federal funding for these organizations, spurred the HMO movement forward. On of its provisions requires employers with 25 or more employees to offer enrollment in an HMO if they provide health care benefits for their workers."
So, my questions are:
1. Is this still true?
2. Is there some loophole that would allow the employer to NOT offer an HMO option?
3. What can/should she do about it?
I am believe that the premium would be lower. Is that a correct assumption?
Thanks,
I am studying for a Florida license. My wife changed jobs 7 months ago and was able to join their group health plan 2 months ago.
The premium for the two of us is $1,100 monthly. It is a PPO through Blue Cross Blue Shield. We have been on an HMO for years and were very satisfied.
I had a triple bi-pass 5 years ago and OOP was around $1,000.
I asked her about an HMO option and she said there was no HMO option. I was surprised!
So this morning while studying my manual and I come across this:
"The Health Maintenance Act of 1973, which provided some federal funding for these organizations, spurred the HMO movement forward. On of its provisions requires employers with 25 or more employees to offer enrollment in an HMO if they provide health care benefits for their workers."
So, my questions are:
1. Is this still true?
2. Is there some loophole that would allow the employer to NOT offer an HMO option?
3. What can/should she do about it?
I am believe that the premium would be lower. Is that a correct assumption?
Thanks,