An HMO (Health Maintenance Organization) health plan requires you to use in-network providers for all care except emergencies. You must choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists. HMO plans typically have lower premiums than PPO plans.
Key Points
- HMO requires in-network providers for all care except emergencies
- Must choose a primary care physician (PCP)
- PCP coordinates care and provides referrals to specialists
- Lower premiums than PPO plans
- Emergency care: always covered, even out-of-network