What is an HMO Medical Plan And How Does It Work?
HMO stands for Health Maintenance Organization. In an HMO, care is provided and coordinated by a primary care physician (PCP) whom you choose. Your PCP provides preventive care and coordinates specialty care using a network of specialists within a referral system. By coordinating your care, your PCP ensures quality of care while reducing medical expenses. In an HMO plan, members only have access to participating providers. Except in the case of an emergency, all medical care must be obtained by “in network” providers. There is no benefit if you go to a non-network provider.
