Health Maintenance Organizations (HMOs)
Health Maintenance Organizations (HMOs) are a type of health insurance plan that provides a wide range of medical services through a network of doctors and hospitals. Members pay a monthly premium and are often required to choose a primary care physician (PCP) who coordinates their care. To receive coverage for specialists or hospital care, members usually need a referral from their PCP. HMOs emphasize preventive care and cost control, aiming to keep members healthy while managing healthcare expenses. However, they may offer less flexibility in choosing providers than other insurance plans.
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Health Maintenance Organizations (HMOs) are a type of health insurance plan that provides a network of doctors and hospitals for members to use. To receive full benefits, members typically must choose a primary care physician (PCP) who coordinates their care and refers them to specialists when needed. HMOs often emphasize preventive care and require less out-of-pocket costs, but they may limit coverage for services outside their network. This means members usually enjoy lower premiums in exchange for less flexibility in choosing healthcare providers.