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.

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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.

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Q. Do all diagnostic procedures require pre-certification?

A. No. Only those you need.

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Q. Can I get coverage for my preexisting conditions?

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

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

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

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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.

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

A. You really shouldn't do that.

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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 the office?

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

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

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