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I know for my cases and most cases like mine that a HMO policy is not for them.
Indemnity policies are nice for those retirees who have many pharmacy claims. Because with these policies your pharmacy claims over turn and roll into your deductible and out of pocket maximum. Many of our retire plan holders have more pharmacy claims then doctors claims...
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These plans are usually recommended to those people who don't see a doctor but for routine services, which would be covered at 100%. These policies do not tend to come through our office very much because we deal mainly with retirees and PPO policies. We have five policies that are considered "high deductible" plans...
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