HMO Health Insurance Plans
What you need to know
An HMO, or Health Maintenance Organization, is a type of group health insurance plan. The medical needs of the people who subscribe are provided by a managed system of medical care. It provides its service for these needs through a group of doctors, medical personnel and facilities that work directly for the HMO. The care of its patients is done at its clinics by its doctors. Each patient is required to pick a primary care physician who will then direct his/her medical needs through one of the system’s clinics. So, it is necessary for the insured members to live or work in close proximity to the clinics or medical facilities.
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How does a HMO health plan help me?
If a person needs routine medical care, he/she would go to an HMO facility for care, paying a small co-payment at each visit. Likewise, if the person is sick, he/she would do the same. The offices have many types of doctors who can treat most every illness. Until recently, few referrals for care outside of the system were given.
Advantages of a HMO Health Plan
The advantage of this form of medical care includes slightly lower annual premiums, because the cost of care is spread out among the members. In addition, there is little paperwork dealing with insurance forms for the patients. Prevention is a focus for HMOs and thus they typically offer programs are provided to their members which promote healthier life choices and better health.
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