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HMO or PPO?
- #1
-
- mai
- 2003/06/10 11:06
みなさんどちらを選んでますか?
HMOはたいてい1回ごとに医者をVisitするときのCo-payが安いかわりに決まった医者にしかあえないし、自分の決まった医者からReferしてもらわないと専門医にはあえない。
PPOの場合そーいうのぬきで好きな医者にあえる。。。でも1回のCo-payは高い。それはわかっているのですが、実際にどっちかを持っている人で何か意見があれば教えてください。
- #2
-
私は過去にHMOとPPO両方試しましたが、特に健康を害してないのならHMOで十分かなと思います。
確かにHMOの医者はコストを下げるために”手抜き”治療みたいなのをするようですが、その分患者の払う費用も安いですからね、、
今私は結局HMOにしてます。将来もっと歳とって病気になりやすいような状態になる頃PPOの腕のいいお医者さんにかかろうかと考えてます(その頃には金銭的余裕も今より出るかと思われますし、、)
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