What Are HMO Plans?
An HMO (Health Maintenance Organization) is a type of health insurance plan where individuals must choose a primary care physician (PCP) and seek medical services within a network of approved providers. HMO health insurance plans typically offer integrated care focused on prevention and wellness. Specialists often require referrals and out-of-network care is generally not covered except in emergencies.1
HMO plans differ from PPO (Preferred Provider Organization) health insurance plans. PPO health insurance plans often offer increased flexibility, allowing individuals to visit any healthcare provider without needing referrals, but with varying levels of coverage.1