The Top 10 Signs You´ve Joined A Cheap HMO

10. Annual breast exam conducted at Hooters.

9. Directions to your doctor´s office include “take a left when you enter the trailer park”.

8. Tongue depressors taste faintly of Fudgesicle.

7. Only proctologist in the plan is “Gus” from Roto-Rooter.

6. Only item listed under Preventive Care feature of coverage is “an apple a day”.

5. Your “primary care physician” is wearing the pants you gave to Goodwill last month.

4. “Patient responsible for 200% of out-of-network charges” is not a typo.

3. The only expense covered 100% is embalming.

2. With your last HMO, your Viagra pills didn´t come in different colors with little “M´s” on them.

1. You ask for Viagra. You get a popsicle stick and duct tape.

source:barracks insurance services

Coinsurance:
Cost-sharing arrangement between an insured person and the health insurance company in which the insured person is required to pay a percentage of the cost for the health care services received.  Coinsurance typically applies after satisfaction of a deductible.  For example, 80% coinsurance may apply after a $500 deductible has been satisfied. This means the insured person pays 20% and their insurance provider pays 80%. The insured will pay that coinurance until they reach thier out of pocket maximum for the year.