What are some negative aspects of an HMO?
You must pick a primary care physician, which is normally not a specialist and can only be changed on a monthly basis. You cannot go out-of-network even if you want the best physician in the country for you particular serious illness. Only your primary care physician or your referred physician (in the network) can give you a prescription or it cannot be filled. HMO’s tend to have a smaller network of physicians.
