HMO Health Insurance Plans
When you join an HMO (Health Maintenance Organization, you pay a fixed monthly fee, In return, your health insurance company will provide healthcare benefits to you.
The range of health care services covered by an HMO varies, so it is important to compare available health insurance plans.
Health maintenance organizations consist of a network of physicians. From this list, you must choose a primary care physician, who is then responsible for your healthcare as well as for making referrals to specialists and approving further medical treatment.
Usually, your choice of doctors and hospitals is limited to those on the list (network) - since they have agreements with the HMO to provide your health care. However, exceptions may be made in emergencies or when medically necessary.
Many people like HMO health insurance because they do not require claim forms for office visits or hospital stays.
The drawback to these health insurance plans is that it can be difficult to get specialized care under an HMO plan since you must first obtain a network referral. Any health care cost from other providers, except in emergencies, is not covered.