HMO delivers health services through a network

HMO delivers health services through a network

 

Take a minute to learn how these plans differ. Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. To learn the specifics about a brand’s particular health plan, look at its summary of benefits.
Health Maintenance Organization (HMO)

An HMO delivers health services through a network. With an HMO, you may have:

• The least freedom to choose your health care providers
• Predictable out-of-pocket costs
• The least amount of paperwork compared to other plans.
• More preventive care in your benefits package
• A primary care physician to manage your care and refer you to specialists when you need one so the care is covered by the health plan

What doctors you can see. Any in your HMO’s network. If you see a doctor who’s not in the network, you’ll have to pay the bill yourself — unless it’s a true emergency.

What you pay.

• Premium
• No deductible
• Copays for each type of care

Paperwork involved. No claim forms. You won’t get bills for care that is covered.

Read more:

•  Choosing a insurance plan
• Preferred provider organizations (PPOs)
• Point-of-service (POS) plans
• High-deductible health plans (HDHPs) linked to health savings accounts (HSAs)