500 Eye Makeup Design by Kendra Stanton

By Kendra Stanton

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There are several types of managed-care programs. Health maintenance organizations (HMOs), preferred provider organizations (PPOs) and point of service (POS) plans are the most popular forms of managed care. There are also physician hospital organizations (PHOs) and Medicare and Medicaid HMOs. Managed-care companies saw the glut of hospital beds and went directly to hospital administrators. We'll put all (or many) of our patients in your hospital if you give us a bigger discount, they said. And administrators quickly signed deals.

And you get to sleep in your own bed that same night. This is, for most of us humans, a great selling point. At this point, you have seen your doctor and have gone to a specialist (possibly several for a second or third opinion). You have explored the possibility of outpatient medical treatment or same-day surgery. With any luck, everything has been ironed out. However, if those second and third opinions jibe with the original diagnosis and if the treatment for your ailment isn't a same-day procedure, you must consider a hospital stay.

Although there are some inferior doctors who somehow manage to become board-certified, and there are some excellent doctors without board certification, board certification is a good sign that the person is up-to-date on the procedures, theories and success/failure rate in this speciality. Don't be afraid to ask your doctor to recommend two or three board-certified specialists. That gives you an option you might find useful. If you're in a managed-care program and are not satisfied with the list of specialists available, call the company's representative and negotiate going out of their system.

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