HMOs (Health Maintenance Organizations)

Health Maintenance Organizations (HMOs) are a type of health insurance plan that provide healthcare services through a network of designated providers. Members select a primary care physician and must see this doctor for most health concerns. The HMO generally covers preventive care, like check-ups and vaccinations, and requires members to get referrals from their primary doctor to see specialists. Costs are often lower compared to other plans, with fixed copayments and no deductibles. HMOs prioritize coordinated care and often emphasize prevention, aiming to keep members healthy and manage healthcare costs effectively.