Under managed care, there is no reason not to get that check up, since it is covered fully. Some plans even eliminate the copayment for well care visits as an added incentive. So, for a cancer patient or dialysis patient who does not qualify for Medicare or Medicaid, an HMO may be the only option. Also, there is no waiting period. Finally, do not discount the cost factor.
Health insurance is very expensive.
If a person or company can save money on an HMO, that may make the difference between being insured and being uninsured. As you can see, HMOs have a lot going for them, and there is a sound basis for some kind of managed care. Read the next chapter.