Macomb Hospital Center
FINDING THE BEST page 22
Mental Health Services
is pleased to announce
If your employer offers choic-
es, if you're self-employed or with-
out coverage from your employer,
consider the types of insurance
plans available and choose one
that fits your needs and budget.
, . .••
,.-. . .
Bruce Wenokur, D.O., M.P.H.,
Specializing in Psychiatry and Neuropsychiatry -
has joined Anthony Petrilli, M.D.,
in our affiliated neuropsychiatric practice.
New Patients Welcome • Evening Hours
Many health insurance plans accepted.
Specializing in evaluation and treatment of: • Anxiety and Depression •
Post Traumatic and Work Related Stress • Behavioral and Mood Disorders
• Traumatic Brain Injury • Panic Attacks and Phobias •
Seasonal Affective Disorder;- Winter Depression •
Five years experience as a family practice physician
A ental ealth
11900 E. 12 /vide Road, Suite 111,
Warren, MI 48093
(Located in the medical office
building next to the hospital)
Macomb Hospital Center
Physician Referral Service
/..1/ Macomb Hospital Center
Member or Detroit Macomb Hosofial Corborabon
ARE YOU BEING TREATED FOR
HIGH BLOOD PRESSURE?
Sinai Hospital is currently conducting a study in patients
with high blood pressure using a new agent for the
treatment of high blood pressure in several dosages, with
and without a diuretic. The study will be conducted at
Sinai Hospital's main campus, 6767 West Outer Drive in
Detroit, and at the Sinai Hechtman Health Center, 31500
Telegraph in Bingham Farms. For more information
about the study, call 810-647-1770.
Next time you feed your face, think about your heart.
M Go easy on your heart and start cutting back on foods that are high in saturated
fat and cholesterol. The change'll do you good.
American Head Association
WE'RE FIGHTING FOR YOUR LIFE
tals is usually limited to those
who have contracted with the
HMO, which may mean you are
limited to receiving care from a
single group of health-care
providers. And because of the
numbers of people covered, you
Major Types Of Plans
may have to wait longer in your
There are three major types of doctor's office for care.
health insurance plans: fee-for-
HMOs typically provide cov-
service, HMOs and preferred- erage for more preventive care
than fee-for-service plans, since
• Fee-for-service. Fee-for-ser- it's in the HMO's interest to make
vice, or traditional health insur- sure you get basic health care be-
ance plans typically are the most fore your ailment becomes seri-
expensive but offer the most ous.
choice of doctors and hospitals.
You also usually don't have to
You can choose any doctor and fill out any forms when you're a
any hospital anywhere in the member of an HMO, and the or-
country you wish, and change at ganization typically keeps track
any time. You pay a monthly fee, of your medical expenses for you.
called the premium, and you are You may have to make a copay-
responsible for whatever annual ment for each office visit, some-
deductible amount you set before times as little as $5.
insurance payments begin. After
• Preferred provider organi-
you have paid the deductible, zations. PPOs are hybrids of fee-
medical costs incurred are often for-service and HMO plans.
shared by you and the insurance Members ore usually limited to
company, for example with you certain doctors and hospitals, of-
paying 20 percent and the insur- ten in a network. You usually
er covering 80 percent; this fea- don't have to fill out forms as a
ture is called co-insurance.
PPO member. You may also have
One of the big drawbacks for to pay a copayment for each vis-
some with fee-for-service plans is it. Preventive care is also covered
that often you have to fill out more extensively under PPOs
forms and send them to your in- than fee-for-service.
surer. Sometimes your doctor's
In a PPO, you can use doctors
office will do this for you. You are who are not part of the network
also responsible for keeping track and usually receive some cover-
of your medical expenses.
Check whether the policy has
"cap," which most fee-for-services Comparing Plans
plans have. A "cap" is the most
To compare which plan is best
you, will have to pay for medical for you, make your own work-
bills in one year, after you've paid sheet and ask the same questions
your deductible and including of each of your choices: monthly
your share of the co-insurance; premium, deductible, copayment,
the "cap" doesn't include your service limits, maximum cap, to-
tal estimated yearly cost.
Most fee-for-service plans don't
Don't overlook particular needs
cover routine physical check-ups for health care coverage you or
or immunizations and other your family may have. Make sure
the policy protects you from large
• • • • • • • • • • • • • • • • • • • hospitalization
costs, which is
why you want it in the first place.
Check for limitations for fer-
tility or pregnancy, dental, men-
tal health or other special needs
you may wish to have covered.
can be an Rx
Check to see whether any of your
"pre-existing" conditions — those
medical problems you have now
— are covered. Beware of disease
limitations, or single-disease poli-
kinds of preventive health care cies that cover only one disease,
coverage may be limited.
such as cancer.
There are two kinds of fee-for-
service coverage: basic and ma- Medicare
jor medical. Basic covers hospital
Medicare is a health insurance
room and care, including cost of program administered by the fed-
surgery and some doctor visits; eral government for citizens 65
major medical covers hospital ser- years of age and older, and for
vices and supplies as well as pre- certain disabled Americans. Part
scription drugs. Comprehensive A of Medicare covers hospital
plans combine basic and major care; Part B, called supplemen-
tal medical, covers payments for
• Health Maintenance organi- doctors and services and supplies.
zations. HMOs are group plans Part A is free but you pay a pre-
usually covering large numbers mium for Part B.
of people, so they typically are the
Medicare does not cover most
lowest cost but offer the least nursing home care, long-term
choice of the three major types.
Your choice of doctors and hospi- FINDING THE BEST page 28