HMO Health Plans

HMO plans, or "Health Maintenance Organization" plans, stresses preventive care, early diagnosis and treatment on an outpatient basis. Many HMOs require members to obtain a referral from their primary care physician (PCP) to see a specialist if deemed necessary.

How Do HMO Health Plans Work?

With an HMO plan, you'll be required to choose a primary care physician (PCP) who will take care of most of your healthcare needs. Should you need to see a specialist, your PCP will have to refer you. Below are some common characteristics of HMO health insurance plans:

  • healthcare services provided by specific list of "in-network" providers (ie. Kaiser)
  • may not be required to pay a deductible before coverage starts, with low co-pays.
  • generally, no coverage for services rendered by "out-of-network" providers.

HMO Health Plans May Be Right For You If:

  • You want more coverage for preventative services.
  • You want a plan with lower premiums.
  • Don't mind getting a referral before visiting a specialist.

*Plans, Rates, Benefits and definitions may differ by state and/or carrier. Choosemyplan recommends you always read your plan's Summary of Benefits Coverage (SBC).

Find HMO Health Plans In Your Area

Compare HMO health plans from the best carriers in your area. Enter the information below for the individual(s) to be included in your quote. Need help? Call one of our licensed brokers at 888.430.7510, and they will be happy to assist you.

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