According to the National Coalition on Health Care, most Americans have health care coverage through their employers. The percentage of the population without health insurance continues to steadily increase, even among the work force. For persons with chronic illness, gaining timely access to healthcare is essential.
A Health Maintenance Organization (HMO) may be the best option, especially for those whose conditions require ongoing treatment or visits to a specialist. The premiums for such coverage are higher than other forms of coverage, but the expense is a small price to pay when considering how much the HMO can offer. The key to making your insurance plan work for you is knowing exactly what the provider covers, and what steps must be taken to ensure you receive the benefits to which you are entitled.