Health Insurance explanations

I mentioned yesterday that I need to invest in private health/medical insurance. I currently have no coverage. All these options and requirements for medical and health insurance. It's almost too much to comprehend. Here's a handy guide with some easy-to-understand explanations.

Q. What does HMO stand for?
A. This is actually a variation of the phrase, "HEY MOE." Its roots go back to a concept pioneered by Moe of the Three Stooges, who discovered that a patient could be made to forget about the pain in his foot if he was poked hard enough in the eyes.

Q. I just signed up for Medical Insurance. How difficult will it be to choose the doctor I want?
A. Just slightly more difficult than choosing your parents. Your
insurer will provide you with a book listing all the doctors in the plan. These doctors basically fall into two categories: those who are no longer accepting new patients and those who will see you but are no longer participating in the plan. But don't worry; the remaining doctor who is still in the plan and accepting new patients has an office just a half-day's drive away, and a diploma from a Third World country.

Q. Do all diagnostic procedures require pre-certification?
A. No. Only those you need.

Q. Can I get coverage for my pre-existing conditions?
A. Certainly, as long as they don't require any treatment.

Q. What happens if I want to try alternative forms of medicine?
A. You'll need to find alternative forms of payment.

Q. My pharmacy plan only covers generic drugs, but I need the name brand. I tried the Generic Medication, but it gave me a stomach ache. What should I do?
A. Poke yourself in the eye.

Q. What if I'm away from home and I get sick?
A. You really shouldn't do that.

OK. Now I think I'm beginning to better understand what I'm up against.