Health Maintenance Organization (HMO)
What is a HMO?
A Health Maintenance Organization, or HMO, is a health insurance plan in which you typically must receive your healthcare services within that plan's network. In some exceptions, such as emergency care or dialysis treatments received out of area, you can receive services out of network. Some HMO Plans (those with a point of service option), allow you to go out-of-network, usually at a higher cost.
How do HMOs work?
In order to keep costs down, HMO plans sometimes:
- Pay doctors within the network a fixed amount each month.
- Require their members to undergo less expensive treatments or procedures proven to be effective
- Require members to get approval before undergoing specific treatments
Is a HMO right for you?
At HealthPocket, we help residents find a quality HMO Plan that meets their healthcare needs. The following Health Maintenance Organization Plans are offered in . Learn more about these HMO Plans and apply for coverage online.
Not all HMO plans meet everyone’s healthcare needs or budget so it’s important to compare all your options, see ratings and reviews and determine the right individual or family health insurance plan that meets your needs.