Comparing Healthcare Plans

Health Maintenance Organizations

Health maintenance organizations (HMOs) are a widespread and popular option for health insurance. These plans offer relatively low premiums and deductibles while making use of referrals and in-network providers. A primary physician makes an initial assessment of a patient, and, if needed, issues a referral to an in-network specialist. The primary care physician and HMO provider work together to make sure referrals meet medical needs without compromising budgetary and coverage limits that keep HMO costs low. Note unlike POS plans, HMOs will not offer any financial assistance to out-of-network doctors or specialist treatment obtained without a referral.

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