What is an HMO plan and how does it work?
HMO stands for Health Maintenance Organization and it is a common managed care plan. They usually have more comprehensive benefits, but along with that less choice in picking doctors and less control in making healthcare decisions. As part of an HMO, you will chose a primary care physician (PCP) who will take care of most of your needs and act as a gatekeeper to the rest of the system. Should you need the care of a specialist, you will visit this doctor first for a referral.
You will probably have coverage for preventative healthcare and you may not have a deductible before costs are covered. Paperwork and co-payments are minimal but you must use the providers within the HMO network.