Скачать или смотреть What is an HMO?

Whether you need health insurance for yourself or a group health plan for your employees, there are plenty of plan options to choose from. A health maintenance organization (HMO) could be the perfect solution if you're looking for a structured, cost-effective way to maintain your health.

HMOs emphasize preventive care and typically require members to choose a primary care physician (PCP). The PCP acts as the first point of contact for most health concerns. They're responsible for providing general medical services and coordinating any additional necessary care.

HMOs typically have lower premiums and out-of-pocket costs than other types of plans. This makes HMOs a more affordable option for many individuals and families. The downside of an HMO is that you need a referral to see a specialist. And if your PCP doesn't refer you to an in-network specialist, your HMO won't cover the cost of your visit.

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