Health Maintenance Organizations (HMO)

Health Maintenance Organizations (HMOs) are a type of managed care health insurance plan that focuses on preventive care and wellness. Members pay a monthly premium and often a copay for doctor visits. HMOs require members to choose a primary care physician who manages their healthcare and provides referrals to specialists when needed. This model encourages cost-effective care and emphasizes routine check-ups and screenings to maintain health. While HMOs can lower costs and promote coordinated care, they may also limit choices in healthcare providers and services outside the network.