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Hi Journeyers, Let's deep dive and learn more about the difference between HMOs and Health Insurance and decide which of them works best for us. Our special guest for today is Sir Jon Agetano, he started in the insurance industry in 2004 (19 years) though he is a civil engineer by education and profession. He is a builder - not just in the construction industry but also in the financial services industry. He is a Senior Financial Adviser Elite and has been a consistent achiever/Honor Club Awardee in Manulife since his joining in 2010. I hope this episode will help you understand more about HMOs and Health Insurance and guide you in deciding which one of them works best for you, maybe both. Thank you.