An HMO, or Health Maintenance Organization, is one of the primary types of health insurance plans to choose from. Okay, so what does that definition mean? Here are a few key facts about the HMO option:
- With an HMO, you choose a primary care physician, or PCP, from a network of providers.
- The PCP you choose will refer you to any specialists you need to see, also chosen from a list of in-network providers.
- Instead of paying a deductible, HMO plans require you to pay copays for medical services. Different types of services will have different copay amounts.
- HMOs do not cover health care services delivered by out of network doctors or hospitals.
- While an HMO may be less flexible than other options, it may also be more predictable, which is generally a desired feature in health care plans.
Even if you decide that an HMO is the best type of plan for your needs, there are still a lot of options out there. And we can help. Tricia from Tulelake, CA, told us, “I requested a health insurance quote and received a phone call back. The agent answered all my questions and found the best plan for me. He was never in a rush and made sure all of my questions were answered.” One of the thousands of licensed, knowledgeable agents at HealthMarkets can do the same for you.