| HMO-Senior plans provide a form of |
| health insurance in which members, often |
| through Medicare, prepay a premium for |
| health services, which generally includes |
| inpatient and ambulatory care. The Senior |
| plans generally offer additional benefits |
| beyond those offered in the commercial |
| HMO. For patients, it means reduced out- |
| of-pocket costs (i.e., no deductible), no |
| paperwork (i.e., insurance forms), and |
| only a co-payment for each office visit, |
| prescription, and hospital visit. |
|