Your Medical Insurance Explained

Q. What does HMO stand for?
A. This is actually a variation of the phrase, "HEY MOE." Its roots go
back to a concept pioneered by Moe of the Three Stooges, who discovered
that a patient could be made to forget the pain in his foot if he was
poked hard enough in the eye.

Q. I just joined an HMO. How difficult will it be to choose the doctor
I want?
A. Just slightly more difficult than choosing your parents. Your
insurer will provide you with a book listing all the doctors in the
plan. The doctors basically fall into two categories: those who are no
longer accepting new patients, and those who will see you but are no
longer participating in 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 and a diploma from a third world country.

Q. Do all diagnostic procedures require pre-certification?
A. No. Only those you need.

Q. Can I get coverage for my preexisting 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. My pharmacy plan only covers generic drugs, but I need the name
brand. I tried the generic medication, but it gave me a stomach ache.
What should I do?
A. Poke yourself in the eye.

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/her office?
A. Hard to say, but considering that all you're risking is the $20
co-payment, there's no harm in giving it a shot.

Q. Will health care be different in the next decade?
A. No, but if you call right now, you might get an appointment by then.



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