An HMO (Health Maintenance Organization) is a kind of managed care plan. HMOs work with networks of doctors, hospitals, clinics, and specialists. They’re one of the most affordable health plans available.
Just a few features of an HMO include:
- Affordable monthly premiums
- Low co-payments and coinsurance rates
- Low (sometime no) deductible
HMOs only provide coverage with in-network health care providers. But this isn’t a problem for most plan members – HMO networks typically include thousands of physicians and hospitals.
You’ll also choose a Primary Care Physician (PCP). They will be the first doctor you go to for care. Your PCP will also give referrals if you need to see a specialist. PCPs include family doctors, pediatricians, internist, general practitioners, and OB/GYNs.
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