FAQs about HMOs 

Q. I just joined an HMO. How difficult will it be to choose the doctor I want? 

A. Your insurer will provide you with a book listing all the doctors who were participating in the plan. These doctors basically fall into two categories: those who are no longer accepting new patients, and those who will see you but are no longer part of the plan. But don't worry, the remaining doctor who is still in the plan and accepting new patients has an office just a half-day's drive away. 

Q. Do all diagnostic procedures require pre-certification? 

A. No. Only those you need. 

Q. What are pre-existing conditions? 

A. This is a term used by the grammatically challenged when they want to talk about existing conditions. Unfortunately, we appear to be pre-stuck with it. 

Q. Can I get coverage for my pre-existing conditions? 

A. Certainly, as long as they don't require any treatment. 

Q. What happens if I want to try alternative forms of medicine? 

A. You'll need to find alternative forms of payment. 

Q. What if I'm away from home and I get sick? 

A. You really shouldn't do that. 

Q. I think I need to see a specialist, but my doctor insists he can handle my problem. Can a general practitioner really perform a heart transplant right in his office? 

A. Hard to say, but considering that all you're risking is the $20 co-payment, there is no harm giving him a shot at it. 

Q. Will health care be any different in the next century? 

A. No. But if you call right now, you might get an appointment by then.