DIP Ep 658-The Clutch Health Insurance Podcast (Part 3)

Divine· Host0:00

All right. Welcome. Uh, my name is Divine. Uh, this is episode six hundred and fifty-eight of the Divine Intervention Podcast, right? And in today's podcast, we're gonna be finishing up the series on, uh, health insurance, right? Um, again, if you missed part one and part two, you should go back and listen to those. I think you'll find those to be really helpful with your, with your studying. So, um, let's just jump right into it, right? So again, we've talked about a bunch of things. Uh, so let's maybe go into the discussion of, uh, just a few more kinda high yield points, uh, that pop up on the exams, right? So, uh, let's talk also managed care plans. I think that's kind of a useful thing to know, right? So first, um, so managed care plans, right? So let's kinda talk about these. I think as I discuss them, you'll understand what-- why classify them as managed care plans, right? So the first one is gonna be a HMO, a, a health maintenance organization, right? So this is super restrictive. It can be pretty effective, but it is super restrictive, right? Basically, if you're a member of this kind of plan, you know, you must choose a primary care physician, and then that primary care physician is like the referee, right? They are like the gatekeepers, right? If you wanna see any kind of specialist, you need to get a referral from the PCP, right? You need to get a referral from the PCP, right? Generally, they don't cover out-of-network care, right? So if a person is not-- if a physician is not within the HMO, you're not getting, you're not getting covered, right? So out-of-network care generally not covered except for like an emergency, right? But it's like you're like, "Man, Divine, this is so restrictive. What do I get, uh, in exchange