Rates

You would think for a quality Sacramento primary care facility you would spend more than you would with an HMS, but because an HMS has been tailored from the ground up to minimize overhead operate effectively and efficiently as a Primary health provider.  However as you can see from the pricing on the side, an HMS is not only affordable, but costs less and offers more than most traditional medical programs.

Exclusion Criteria
None.
Often, when researching for Sacramento medical insurance you will see an advertised rate quoted with an * next to it.  This is because many Sacramento medical insurance programs carry some form of exclusion criteria.  With an HMS there is no circumstance due to health, race, weight, income, and other factors that would change your rates from what you see here.

No Income Qualifications.
Though often unspoken of, many Sacramento medical insurance programs check the income rate of patients to determine demographic risk, long term probability, and a host of other factors.  An HMS means that regardless of the fluctuations in your income, unlike Sacramento medical insurance programs, your rates will never change because of your income.

No Exclusion for Pre-existing Medical Conditions.
As with other factors, many Sacramento medical insurance programs will change your rates or deny you coverage based on pre-existing medical conditions such as diabetes, surgeries, risk, and other factors.  With Hart Medical Services there is no exclusion or rate change based on pre-existing medical conditions.  Your Sacramento medical coverage will not be affected by your current health.

No Sliding Fees.
As we age our bodies change, with traditional Sacramento medical insurance providers this may mean an increase in your rates.  With an HMS your rates will not change as time does.  This is a true benefit for anyone who is planning for their future and does not want to have to include potential Sacramento medical insurance rate hikes.

No Gender Rate Changes.
With many Sacramento medical insurers gender is a factor in determining pricing.  With age demographic data includes pregnancy, prostate risk, mammograms, and more.  These factors can cause unacceptable swings in medical insurance rates which can frustrate many Sacramento residents.  With an HMS, your gender is not a factor in getting the primary health care that you need.

No Exclusion Based on Prior Prescriptions, Hospitalizations, or Surgeries.
As with the other factors shown in this section of Hart Medical Services, prior prescription drug usage can affect the rates a person pays for medical insurance in Sacramento.  With an HMS you are not penalized for any medical needs or care you have had in the past.

No Exclusion Based on Current Symptoms.
Sadly, many residents in the Sacramento area do not think about healthcare until they are experiencing health problems.  This creates grace periods and waiting for getting the medical coverage they need.  By that time symptoms can worsen.  With an HMS, not only are there no exclusions based on your current symptoms, but our staff encourages new patients to come in to one of our Sacramento area medical facilities, so that, even if they aren’t physically ill, our qualified medical staff can help prevent any illness which you may be at risk of.