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. HMOs will NOT see you. I am a member of an HMO the "deluxe plan". My plan allows me to go to the HMO & pay no deductible...well pay nothing really except a $15.00 co-pay even if hospitalized but if not satisfied can go anywhere I chose & have the 20/80. Thing is I was waiting for a tentanus shot recently, sitting right next to the intake area & a lady wanted to be seen but they wouldn't allow it, she offered credit card & cash, no not part of the HMO...we're sorry. I felt bad for her.

Perhaps Im confused about what an HMO is. When I typed in HMO into bing, the top four answers talked about a PLAN.

My understanding was that HMO was like Group Health. Which at the early age of 20+ my brother was denied acceptance due to a medical condition he contracted. He filled out the application and was denied coverage, from Group Health. Had no problem getting health insurance from other employers and personal individual policies like Regents. GH on the other hand, cherry picks and then obviously spends as little as it can to service its patients.

I dont have insurance and Ive never been turned away as a self pay patient. I work for a company with more than 50 employees and we dont have health insurance, unless we pay for it. It will be interesting to see what happens to these jobs.

I guess time will tell who is right and who is wrong. But Im not buying insurance until I get a bill from the IRS. I have my doubts, that I will. They went into a panic cause their constituents didnt get their TV digital box last year before the digital deadline.