[dillywho]

I just don't like HMO's period. I was in one when I first retired because that was part of my retirement package. My doctor needed to do an MRI and they would not approve it. When he called to have me hospitalized in order to get it, they decided that they would approve it on a out-patient basis after all. I don't care for game-playing when it comes to my health care. I do not want to have to say "Mother may I?" if I want to go to a specialist of my choosing.

My current plan, as well as hubby's, is a Humana PPO. We have been very happy with it. We are always free to choose our own specialists without having to go through our primary. I always ask that the specialist keep our primary abreast of what's going on, though. That is my choice to do and I exercise that choice.