HMO Health Insurance Plans

hmo health insurance plans

Compare HMO Health Insurance Plans

Medicare

HMO (or health maintenance organization) health insurance plans provide insurance if you receive services from an in-network provider. The only out-of-network services available are those on an emergency basis. Many HMOs require enrollees to see a primary care physician (PCP) chosen by the member who will refer them to a specialist if deemed necessary for high-cost services like MRIs or surgeries. HMOs typically provide richer coverage than a PPO health insurance plan. However, they often cost more due to the better benefits.

HMO plans often do not include deductibles, but copays are charged per office. HMO plans typically allow a member to have lower out-of-pocket healthcare costs, but require the member to forego some choice and flexibility with regard to selecting physicians and hospitals.

In the individual and family health insura... http://insurance-auto.ucoz.com/news/hmo_health_insurance_plans/2013-06-23-4027