Managed care: will it be for everyone?

Summary

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HMOs are attractive because they limit out-of-pocket expenses to employees are a lower-cost alternative for employers. HMOs are viable for anyone as long as they emphasize case management and provide effective and appropriate treatments, particularly for the disabled or chronically ill.

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Managed care: will it be for everyone?

FIFTY MILLION Americans now belong to health maintenance organizations (HMOs), a result of employers and employees seeking to lower the cost of their health care. Many states are converting their Medicaid fee-for-service coverage of individuals in the community, and Medicare voucher payments will encourage millions more to join HMOs.

This emphasis on cost reduction could hurt people with disabilities. Without universal coverage mandates, HMOs and other managed care providers would have little incentive to e...

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