Health Maintenance Organization

A Health Maintenance Organization (HMO) is a healthcare plan that provides coordinated medical services through a network of doctors, hospitals, and clinics. Members choose a primary care physician who manages their overall health and refers them to specialists if needed. HMOs typically require members to use providers within the network to receive full coverage and often have lower costs but less flexibility. This model emphasizes preventive care to keep members healthy and reduce long-term healthcare expenses, making it a structured and cost-effective option for many individuals and families.