3 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. , . .•• ,.-. . . %,..0,,. 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 T r, . A ' A ental ealth Q 11900 E. 12 /vide Road, Suite 111, Warren, MI 48093 (Located in the medical office building next to the hospital) 4/k (810) 573-5970 111 .44/ Macomb Hospital Center Physician Referral Service 1-800-942-5563 /..1/ Macomb Hospital Center Member or Detroit Macomb Hosofial Corborabon — I SINAI HOSPITAL 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. THE DETRO 31 sinal N24 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 HEALTH 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 provider organizations. 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. age. 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- monthly premium. 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. o health Check for limitations for fer- tility or pregnancy, dental, men- insurance 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 for disaster. 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- medical coverage. 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 N Th c:=7; 0