Online Health Directory
A complete list of web resources for health plans and health-related issues.

HMOs: What They Cover
A breakdown of how some plans treat -- or avoid -- certain conditions.

Tips: Managing Your HMO
The basics you need to get the most from your HMO.

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DO YOUR HOMEWORK:
Look for a plan that will cover the health needs you anticipate: mammograms if you're a woman over age 40; chronic conditions if you have a child with asthma; alternative therapies such as chiropractic or acupuncture, if that's what you prefer.

KNOW YOUR RIGHTS:
To avoid unpleasant surprises later on, ask in advance for a list of drugs and conditions your plan does not cover.

BRING AN ALLY:
It helps to have someone on your side during negotiations and consultations; in some cities, professional patient advocates are available.