Just got our open enrollment package for health insurance (assuming I still have a job come July 1), and the cost per pay period for a PPO is increasing $60 per pay period ( bi weekly), don’t think I can afford that increase at this point, so we are looking into the HMO.
My wife and I both see a few specialists. Will we only need a one time referral? Or a referral for every subsequent referral? Also, in the experience of those with an HMO, how easy is the referral process? For example will you be required to go physically see the doc?
thanks