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General Parenting
I know nothing about insurance!
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<blockquote data-quote="Stella Johnson" data-source="post: 4113" data-attributes="member: 9"><p>I am no insurance expert but I have never heard of an HMO that you didn't have to have referrals for specialists. </p><p></p><p>I had an HMO a few years ago. IT was much cheaper. I loved not having deductibles. difficult child wasn't seeing a psychiatrist then so I don't know how they are with psychiatric stuff.</p><p></p><p>Steph</p></blockquote><p></p>
[QUOTE="Stella Johnson, post: 4113, member: 9"] I am no insurance expert but I have never heard of an HMO that you didn't have to have referrals for specialists. I had an HMO a few years ago. IT was much cheaper. I loved not having deductibles. difficult child wasn't seeing a psychiatrist then so I don't know how they are with psychiatric stuff. Steph [/QUOTE]
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I know nothing about insurance!
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