I belong to an HMO. Never had any problems. Switched doctors twice now. No huhu. Cost me $100 to have the child born and that was with complications. When he needed tubes for his ear infections, no problem, cost me $25 out of pocket. Sure, they take a hefty chunk of change out of my paycheck for the privlige of belonging to the HMO, but its all pre-tax. Have gone to the emergency room twice now, no problem, they have treated me in under 30 min. I'm not saying the system is perfect, but personally, I have not had any problems with it.
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