How does an HMO health plan work?
An HMO (Health Maintenance Organization) is a type health plan in which the subscriber must stay inside the given network of the HMO itself. The subscriber does not have the luxury of traveling out-of-network for medical attention. HMO health plans generally do not carry a deductible and have lower co-insurance and out-of-pocket maximums compared to the PPO. In an HMO model the subscriber is required to pick a PCP (Primary Care Physician) and must ask the PCP for a referral to see a specialist (ex: dermatologist). Sometimes an HMO will be more expensive than a PPO but generally it is always the other way around.
Related Questions
- Im currently covered under an HMO for 2009 but plan to elect a Motorola Health Plan such as the Health Investment Plan for 2010. Do I need to complete the Health Risk Questionnaire?
- I’m currently covered under an HMO for 2010 but plan to elect a Motorola Health Plan such as the Health Investment Plan for 2011. Do I need to complete the Health Risk Questionnaire?
- I want to enroll in a Health Maintenance Organization (HMO) but I don live or work in the Plans area as required by that particular plans brochure. Why can I enroll in it?
