What is an HMO?

When choosing a medical plan you may have a choice between different types of plans that can often sound like alphabet-soup HMO PPO hdhp what to all of these letters mean and how do they impact what you pay and where you go for care rest easy it's not as complicated as you think here's a quick overview of an HMO.

Or health maintenance organization an HMO is a type of medical plan that typically cost less out of your paycheck than other types of plans but you have fewer choices of doctors when you choose an HMO you have to name a specific doctor who manages all of your care often called a primary care doctor you must go to this specific doctor before.

You can see any other doctors when you are sick or need care for example if you have a rash on your arm you need to see your primary care doctor before you can see a dermatologist you will have to make a predefined payment known as a copay every time you see your primary care doctor or any specialist she or he may send you to for care to sum it up.

HMOs often offer lower monthly premiums than other types of plans but limit your flexibility to see specialists without first coordinating with your primary doctor you
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