What are HMO health insurance plans?

Wednesday, June 3rd, 2009

What are HMO health insurance plans?

Understanding Health Maintenance Organizations (HMOs)

Health Maintenance Organizations (HMOs) are a form of managed care health insurance coverage. HMOs offer individual health insurance, family health insurance, group health insurance, student health insurance and temporary health insurance plans. Federal health insurance, like Medicare, also provides an HMO option.

HMOs require members to select a primary physician who will manage your overall care. To see other health care providers within the HMO, members must obtain referrals from their primary physician. You may end up paying higher rates to see health care providers who are not part of the HMO.

Generally speaking, HMOs provide an affordable health insurance option. HMO health insurance premiums and patient co-pays are generally on the low side, which can translate to lower health insurance costs.




Comment on this FAQ










Just three states left with no ban on texting while driving

Insurance News

Just three states left with no ban on texting while driving

As of September 2013, only three U.S. states remain with no ban at all in place regarding texting while driving. Read more



Insurance Tips

Evaluate your deductibles

With almost any insurance policy, there is a relatively quick way to decrease your premium for that policy: Increase your deductible. Read more



Insurance Calculators

HSA Savings Calculator
HSA Savings Calculator

Determine how much your Health Savings Account (HSA) will be worth over time. Fine tune your plan by comparing options.



you are here ›› homefaqhealth insurance
Frequently Asked Questions - Health Insurance