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Choose The Right Health Plan For Your Child
When pumpkin patches start magically springing up in parking lots, open enrollment season cannot be far behind. Before evaluating your employer's options for 2007, ask yourself the following questions: Once you have these answers, you're ready to take a look at the individual plans. DOES YOUR CHILD HAVE SPECIAL NEEDS?
THE ABCS OF MANAGED CARE
Most employers offer one or more versions of three basic types of health plans. Flexibility and cost are usually the differences between these plans:
If you want your child to continue being treated by the same specialty physicians, you'll need to pick the plan that offers access to them. If you choose an HMO or POS plan, you will be asked to select a primary physician associated with either a medical group or an independent practice association (IPA). But first, find out which primary care physicians and medical groups make referrals to your child's specialist.
This is very important. If you join an HMO and select a primary care provider and medical group or IPA that does not refer to your current specialist, your child's care could be interrupted as you decide whether to switch to a new specialist within the HMO network or pay the out-of-pocket costs to continue with the current specialist. If you choose a POS plan, you have the option of seeing that specialist through the PPO benefit.
CHOOSE A "CHOC-FRIENDLY" PLAN
Who knows what challenges the coming year will bring? If you decide on an HMO or POS plan, be sure to choose a primary care provider and medical group that refer to CHOC and CHOC at Mission. As the only two hospitals dedicated solely to the care of infants, children and adolescents in Orange County, our doctors, nurses and staff provide the quality care parents look for when their children need it most.
CHOC and CHOC at Mission are contracted with most health plans and all government-sponsored programs, including Healthy Families. Please contact your employer for further information. To locate a "CHOC Doc," please visit www.choc.org.
When pumpkin patches start magically springing up in parking lots, open enrollment season cannot be far behind. Before evaluating your employer's options for 2007, ask yourself the following questions:
Once you have these answers, you're ready to take a look at the individual plans.
DOES YOUR CHILD HAVE SPECIAL NEEDS?