HMO Health Insurance

HMO stands for "Health Maintenance Organization". This type of health insurance is one of the more popular health insurance because of its cost. HMO Health Insurance costs less than a PPO Health Insurance policy.

HMO Health Insurance requires you to pay a fixed monthly premium or fee. By paying the monthly fees, you are enrolled in a plan where the health insurance company and its network of providers provide various medical benefits at a reduce rate. The monthly fees will vary depending on how much coverage you want and how much you are responsible to pay.

How it works
HMOs has a network of physicians and within the list, you have to choose a PCP (primary care physician) who will be your main point of health care. Any referrals to specialists must be made by the PCP.

Important Questions to Ask Your HMO

Will I be able to change my primary care physician?

How close are the hospitals to your area?

Will your policy cover out of town hospital visits?

How much will the plan cover if you need to see a specialist?

Which doctors are accepting new patients?

Is there a yearly deductible that you must meet before the plan kicks in?

What is the copayment if there are any?