What is a Health Maintenance Organization (HMO)?

A Health Maintenance Organization, or HMO, is a managed care health insurance plan. That means HMO plan members have access to a group or "health provider network" of doctors, hospitals, and other specialists.

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With an HMO, you will only have coverage with in-network care providers. You’ll also need to choose a Primary Care Physician (PCP). Your PCP will be the first doctor you see for medical care. If you need to see another doctor or specialist, you’ll need to get a referral from your PCP.

The best part of an HMO is that it’s one of the most affordable health plans you can find — with low premiums, low copayments, and many times no deductible to meet.  

Which medical services does an HMO cover?

• Preventive care such as annual physicals and routine doctor’s office visits
• Emergency care
• Hospital care
• Prescription drugs

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