Originally Posted by
Ajenkins
As a doctor, I deal with HMOs on a daily basis. I can guarantee you they will not do anything like the OP is proposing, unless it makes them gobs of money, which it won't.
HMOs aren't interested in your health. They are only interested in their shareholders wallets.
In my office, HMOs are generally referred to as "Spawn of the Bowels of Satan."
Yep, and you'd need preapproval to actually ride anywhere with penalties for using an out of network facility too. Return trips would need a separate approval, and you'd have to listen to that cheerful recording that says anything they tell you on the phone may not be valid when the bill is submitted "statement of benefits is not a guarantee of payment...."