Older adults can choose a geriatric doctor. HMO health plans are designed to help you stay healthy. Comparing the EPO vs. HMO health insurance plans, features, and costs can be overwhelming. A health maintenance organization (HMO) typically provides integrated care and focuses on prevention and wellness. So to avoid getting big bills, make sure you stay in your network. The HMO plan is the most restrictive plan of the three managed health care plans. The HMO network may include care and services from certain: In most cases, your HMO health plan won't cover any of your expenses if you go to a provider who is not in your network. Your HMO would rather spend a small amount of money up front preventing illness than a lot of money later while trying to treat it. For group plans, please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description/Administrative Services Only) for more information on the company providing your benefits. Point-of-service and health maintenance organization are two of the prominent group health insurance plans. There are a lot of decisions to make when it comes to choosing a health insurance plan. A DHMO provides lower cost coverage with a focus on preventive care. In this, more emphasis is placed on prevention and quality of care. An HMO gives you access to certain doctors and hospitals within its network. var myState = "@BCBSIL"; These plans can be … HMO stands for Health Maintenance Organization. what … Learn more about Humana’s dental HMO plan., opens new window. Health Insurance – these are health care benefits that are provided by Life Insurance companies. Your costs are also kept low because you have certain doctors and hospitals you can use when you need care, which helps control how much you pay for health care services. You'll know your costs are as low as possible when you see a provider in the HMO plan's network. What is HMO? HMO vs. FFS vs. PPO Insurance Plans . An early diagnosis and treatment can keep many common health issues from getting worse. An HMO may require you to live or work in its service area to be eligible for coverage. If your doctor determined you needed the services of a specialist, he or she would refer you to an in-network specialist for care. This is called the HMO network. Health maintenance organization (HMO), preferred provider organization (PPO), point of service (POS), and exclusive provider organization (EPO) plans are all types of managed healthcare. Health Maintenance Organization (HMO) HMOs require primary care provider (PCP) referrals and won’t pay for care received out-of-network except in emergencies. Take a look at Humana’s Medicare Advantage HMO plans, opens new window, And remember, dental care is not covered under medical insurance; it requires a separate dental plan. HMO – stands for Health maintenance Organization. Anyone who had insurance through a job or a private insurance provider probably had to choose between these two options at … HMO stands for Health Maintenance Organization.. Republic Act 7875 (National Health Insurance Act of 1995) defines it as an “entity that provides, offers, or arranges for coverage of designated health services needed by plan members for a fixed prepaid premium.”. Preferred provider organization, or PPO, and point-of-service, or POS, plans are other popular group network options. On any insurance plan, you typically won’t have coverage when traveling outside of the United States. Then, if needed, he or she would provide a referral to a specialist within the HMO’s network. Simply select Get a Quote and you can view and compare our plans and pricing. var myState = "@BCBSIL"; Of course! But the major differences between the … BCBSIL contracts with network providers to offer a service at a set price. Already a member? It usually has lower monthly premiums than a PPO or an EPO health plan. When you’re ready to purchase an HMO plan, you can visit eHealth.com, opens new window to see which plans are available in your area. When comparing different individual health plans, you should start with what features are most important to you and your family. “Humana” is the brand name for plans, products and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Health Maintenance Organization or HMO Plan. What is an HMO? You may also need to get a referral from your primary … } Learn more about Humana’s dental HMO plan., opens new window, Still not sure an HMO is the way to go? HMO is an abbreviation for Health Maintenance Organization. var shareURL = encodeURIComponent("http://shout.lt/bfNlb"); //URL Must Change per state With POS plan, you … Before applying for group coverage, please refer to the pre-enrollment disclosures for a description of plan provisions which may exclude, limit, reduce, modify or terminate your coverage. This communication doesn’t guarantee benefits and doesn’t indicate all services received will be covered by your plan. /*********************Twitter State Selection*************************/ Still not sure an HMO is the way to go? var urlTitle = document.title; //"This is my Title"; This helps control how much you pay for health care. Go365® is not an insurance product. © Copyright document.write(new Date().getFullYear()) Health Care Service Corporation. Customer Service: Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state. HMO, or Health Maintenance Organization, is a type of insurance plan that provides the patient access to hospitals and doctors within a network, which consists of a number of providers and doctors that have agreed to lower their fares, without reducing their quality standards. In states, and for products where applicable, the premium may include a $1 administrative fee. HMO members have access to optimum benefits through a network of providers contracted by the insurance company. There is no cost or obligation for this service. One option is Adobe® Reader® which has a built-in reader. You’ve probably heard the terms health maintenance organization … People with chronic conditions such as asthma and diabetes have seen the greatest results. Your PCP will be the provider with the best overall picture of your health and will be the one to coordinate any additional care you might need. if (pgURL.indexOf('bcbsil') > -1) { HMO plans are remarkably different from what we consider traditional forms of insurance, like auto and homeowners, … A health maintenance organization (HMO) is a network or organization that provides health insurance coverage for a monthly or annual fee. What’s an HMO plan? Like an HMO, you will need a referral from your PCP in order to see a specialist. This version of Internet Explorer is out of date. HMOs allow their members to receive services from any provider within the group. Health Details: HMO stands for health maintenance organization.HMOs have their own network of doctors, hospitals and other healthcare providers who have agreed to accept payment at a certain level for any services they provide. This type of health insurance is considered to be a subset of prepaid medical … Discount plans are offered by HumanaDental Insurance Company, Humana Insurance Company, or Texas Dental Plans, Inc. Arizona residents insured by Humana Insurance Company. Helpful hint: No matter which plan you have, before you need care, get to know your plan, what's covered and where you can go for care. AXA Mansard Health Limited is the Health Maintenance Organization (HMO) division of AXA Mansard group of companies. For costs and complete details of coverage, call or write Humana or your Humana insurance agent or broker. HMO stands for health maintenance organization. window.open("http://twitter.com/intent/tweet?status=" + myState + " " + shareTitle + " " + shareSpanishURL, " ", "menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=600,width=600"); Each type of health insurance system will offer different options as you obtain services, and the services are received through a network. Your care is coordinated by one doctor who knows you — your health history, current issues and medication, lifestyle and how your family's health history may affect your health. Also, many HMO plans completely cover the cost of maternity care, or a large portion of it. A health maintenance organization (HMO) is a type of health insurance plan that limits your coverage to a particular network of doctors, hospitals, and health care providers. As the name implies, one of an HMO’s primary goals is to keep its members healthy. Fortunately, a qualified health insurance broker can help. Calls may or may not be answered inside the United States. //Twitter What is an HMO? Not available with all Humana health plans. With an HMO, you must choose a primary care physician (PCP) from a network of local healthcare providers when you join. HMO health insurance is health coverage that is offered by a health maintenance organization, or HMO. When comparing different individual health plans, you should start with what features are most important to you and your family. View and compare our plans and pricing now by getting a quote. Statements in languages other than English contained in the advertisement do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. function tw_share() { And of course it was an HMO. An HMO may be right for youif you’re comfortable choosing a primary care provider (PCP) to coordinate your health care and are willing to pay a higher deductible to get a lower monthly health insurance premium. else { Read about HMO plans, which require you to go to doctors, other health care providers, or hospitals on the plan's list, unless you need emergency care. What Is an HMO? Register for a MyHumana account today. Call the Customer Service number on the back of your member ID card. Kaiser is the largest HMO, and it does not offer health insurance. A network is made up of providers that have agreed to lower their rates for plan members … HMO, PPO, EPO, and POS plans are all types of managed care. A health maintenance organization (HMO) is a network or organization that provides health insurance coverage for a monthly or annual fee. HMO is abbreviation for Health Maintenance Organization.Sometimes HMO and HMO Insurance are used interchangeably.Loosely speaking HMO is a type of managed care plan (The other two being Preferred Provider Organization (PPO) and Point of Service (POS) Plan).. Health Maintenance Organizations are created by bringing together health care providers. It is an organization that provides or arranges managed care for health insurance… Having one health care expert coordinate all your health care needs keeps your costs and your health on track. This is the doctor you will see whenever you need medical care. HMO insurance (house of multiple occupancies) is no different from standard property owners insurance in what cover is provided. }. Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah, CompBenefits Company, CompBenefits Insurance Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., or DentiCare, Inc. (DBA CompBenefits). An HMO health plan may be a good choice for you because: An HMO health plan is designed so that you have care personalized to you. var myState = "@BCBSNM"; Understand HMO Plans and HMO Insurance . You can get more information about the differences between HMOs and PPOs from our HMO vs. PPO comparison chart., opens new window. For a better experience, please update or consider using a different browser. } Press down arrow or tab to move to the next tab, Please enter a valid date of birth (MM/DD/YYYY), Learn more about Making Insurance Work For You ». DHMO plans are designed to encourage regular dental visits and check-ups while minimizing spending. There are pros and cons to each type of health insurance plan. Even prior to the passage of the Affordable Care Act (ACA), or Obamacare, most people were aware of the fact that both HMO and PPO health insurance plans existed. This new site may be offered by a vendor or an independent third party. You can get more information about the differences between HMOs and PPOs from our HMO … Some plans may also charge a one-time, non-refundable enrollment fee. HMOs are medical plans, and not exactly insurance. The website is maintained outside of New York state and the insurer is not authorized to transact the business of insurance in New York. By themselves, HMOs are not healthcare providers. An HMO plan is based on a network of hospitals, doctors, and other health care providers that agree to coordinate care within a network in return for a certain payment … Two significant … Among the different types of health insurance coverage available, one of the most popular in this country is the HMO plan. All Rights Reserved. Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. As the name implies, one of an HMO’s primary goals is to keep its members healthy. A Health Maintenance Organization (HMO) provides their own network of doctors, healthcare providers, and hospitals. But, like a PPO plan, you will pay less if you use doctors, hospitals, and other healthcare providers in the plan’s network, and you will have access to out-of-network providers at an increased cost. } HMOs and PPOs are two types of managed health care. Calls may or may not be answered inside the United States. You Could Get Stuck with a Bad Primary Care Physician (PCP) - HMO Myth, HMOs Are Only for Healthy People - HMO Myth, Focused More on Costs, not Care - HMO Myth, Most Doctors and Hospitals Don't Take HMOs - HMO Myth, HMOs Don't Offer the Same Benefits as PPOs - HMO Myth, Tab pannel ends. HMOs have their own network of doctors, hospitals and other healthcare providers who have agreed to accept payment at a certain … HMO, which stands for “Health Maintenance Organization” is one of the most common types of health insurance plans offering a range of medical care services through a network of … HMOs are health care providers. function fb_share() { HMO stands for health maintenance organization and makes up 13% of employer health plans, but about half of marketplace plans. Each HMO plan includes global emergency and urgent care coverage* 24 hours a … HMO vs. FFS vs. PPO Insurance Plans . Here's why: Providers set their own prices for their services. A health maintenance organization, or HMO, is one of several common network-based group health policies. Short for Health Maintenance Organization, HMOs are types of plans that allow you to visit a select network of doctors and specialists who work with your health insurance provider. Health Details: Health Maintenance Organization (HMO) A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO.It generally won't cover out-of-network care except in an emergency. Your insurance will not cover the cost if you go to a provider outside of that network. This HMO division is tasked with providing premium health services in the form of health insurance towards its beneficiaries. Health Maintenance Organization (HMO) is a prepaid health care system wherein an Insurance Company handles the distribution of networks, providers, and members all in one umbrella. Again, you will need to submit your own claim and await reimbursement from your insurance carrier. If you're a BCBSIL member, register or log in to Blue Access for MembersSM, your secure member website, for a personalized search based on your health plan and network. One of the key characteristics of an HMO vs. a PPO insurance plan is the need to designate a primary care physician (PCP). Sunday: Closed. You can save quotes for later or apply now. window.open("http://twitter.com/intent/tweet?status=" + myState + " " + shareTitle + " " + shareURL, " ", "menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=600,width=600"); } else if (pgURL.indexOf('bcbsnm') > -1) { } else if (pgURL.indexOf('bcbstx') > -1) { You have access to certain doctors and hospitals, called your HMO provider network. from which individuals can choose to get care. Saturday: 8 a.m. – 6 p.m. CT PPO stands for preferred provider organization. If you're looking for a health plan that's easy to understand, easy to use and easy on your wallet, an HMO health plan may be just what you need for you and your family. Just like medical insurance, dental insurance comes in HMO and PPO plans. Children can have a pediatrician as their PCP. You must be at least 18 years old to submit a request. Sunday: 10 a.m. – 2 p.m. CT. With an HMO you'll likely … 1-800-538-8833 There are several factors to take into account when choosing whether an HMO plan is the right option for you and your family. var pgURL = window.location.href; An HMO generally won't cover out-of-network care except in the case of an emergency. For example, if you suffer from back pain you would first be examined by your PCP. There are a number of different types of networks with HMO, PPO, EPO, and … An HMO, or Health Maintenance Organization, is a type of health plan that offers a local network of doctors and hospitals for you to choose from. Humana individual vision plans are insured by Humana Insurance Company, The Dental Concern, Inc., or Humana Insurance Company of New York, or Humana Health Benefit Plan of Louisiana, Inc. Arizona residents insured by Humana Insurance Company. The plans are offered by private insurance companies, with varied coverage and costs. HMO Health Insurance Plans. Texas residents insured or offered by Humana Insurance Company, HumanaDental Insurance Company, or DentiCare, Inc. (DBA CompBenefits). An HMO, or Health Maintenance Organization, is designed to keep costs low and predictable. In addition, some sites may require you to agree to their terms of use and privacy policy. Two significant considerations are cost and access to the health care providers you prefer to use. With one doctor to coordinate your care, an HMO health plan is easy to use and may be just what you’re looking … When you're choosing insurance, you've probably wondered "what is HMO insurance?" A health maintenance organization (HMO) typically provides integrated care and focuses on prevention and wellness. The differences, besides acronyms, are distinct. Follow the road signs for quick tips to get the most out of your HMO network. HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. It's a type of health plan that is designed to keep costs low and predictable. Other Adobe accessibility tools and information can be downloaded at http://access.adobe.com. var shareTitle = encodeURIComponent(urlTitle); When you first sign up for an HMO health plan, you choose, or are assigned, a primary care physician (PCP) who's part of a medical group/independent practice association (MG/IPA). Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc., or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, or Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. window.open("https://plus.google.com/share?url=" + shareFacebookURL, " ", "menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=600,width=600"); A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association In the event of a dispute, the policy as written in English is considered the controlling authority. PDF File is in portable document format (PDF). Health insurance on the other hand, covers pre and post care that handles an individual’s well-being. Health Maintenance Organization (HMO) - HealthCare.gov . HMO insurance plans create networks of providers who receive a specified amount of reimbursement per service. Get the most out of your plan. Only Insurance Companies can sell insurance. window.open("http://www.facebook.com/share.php?u=" + shareFacebookURL + "&title=" + shareTitle, " ", "menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=600,width=600"); } I've always thought that HMO insurance plans sounded pretty bad, and the HMO … Provider Finder also has a cost estimator to help you find costs for health visits, procedures, surgeries, diagnostics and imaging, vaccinations/immunizations and other services. External link You are leaving this website/app (“site”). Health insurance on … New to Medicare or Need Help Shopping for a Plan? A minimum one-year, initial contract period may be required for some vision plans. Monday – Friday: 7 a.m. – 8 p.m. CT var myState = "@BCBSTX"; Because of the agreed-upon payment level, an HMO usually offers lower monthly premiums than other types of insurance plans. Monday – Friday: 8 a.m. – 8 p.m. CT See our full accessibility rights information and language options. It's a type of health plan that is designed to keep costs low and predictable. HMO stands for health maintenance organization and HMO insurance is really something of a misnomer. People pay to belong to the plans which offer them certain types of defined care. Any out-of-pocket costs are clearly defined, and most DHMO plans do not have exclusions for pre-existing conditions or missing teeth. Download the You and Your Doctor guide. Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, ancestry, religion, sex, marital status, gender, gender identity, sexual orientation, age, or disability. One of the main characteristics of an HMO insurance … There are generally two options: Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) when choosing insurance. A Health Maintenance Organization (HMO) health plan offers a local network of doctors and hospitals for you to choose from. if (pgURL.indexOf('espanol') > -1) { What Is An HMO? You can change your PCP or medical group/IPA at any time, except if you are hospitalized or in the 2nd or 3rd trimester of pregnancy. POS and HMO plans share some qualities, but a broader provider reach is a relative benefit of POS insurance. *Exceptions: HMO patients do not need a referral during an emergency or for routine-care in-network visits to a gynecologist or obstetrician. They also tend to have lower copays and coinsurance, which helps make them more affordable. HMO stands for Health Maintenance Organization. Please fill out the form below and a licensed agent will contact you to help answer your questions. There are 2 features that set HMOs apart from other types of healthcare plans: cost and choice. HMO stands for "health maintenance organization"; an entity certified under federal standards to provide managed healthcare services to subscribers. Humana group vision plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, CompBenefits Insurance Company, CompBenefits Company, or The Dental Concern, Inc. Humana group life plans are offered by Humana Insurance Company or Humana Insurance Company of Kentucky. Individual applications are subject to eligibility requirements. } else if (pgURL.indexOf('bcbsok') > -1) { If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays. To make sure a provider is in your plan's network, search Provider Finder®, our online directory. Please fill out the form below and a Blue Cross and Blue Shield of Illinois authorized agent will contact you within 1 to 2 business days. It generally won't cover out-of-network care … Not authorized to transact the business of insurance in new York state and services. Make them more affordable option service: 1-800-538-8833 Calls may or may not sell their product as insurance companies with! Visits to a provider outside of that network plan that is offered by Humana insurance Company and it not... Rates for plan members … HMO health insurance sales what is hmo insurance and Additional plan:... Of a dispute, the average HMO plan is right for you » may! Is tasked with providing premium health services in the HMO to keep costs low and.! Download the you and your health on track downloaded at http: //access.adobe.com if! Offer an added benefit for emergency care anywhere in the form below and we will send you information about differences... Vs. HMO health insurance check-ups while minimizing spending some qualities, but about half of marketplace plans with what are... Cost coverage with a focus on preventive care their own prices for their services offer them certain types of plans... He or she would provide a referral from your insurance will not cover the cost if you go a... Incorporated as insurance can vary by a health maintenance organization., Inc. ( DBA CompBenefits ) they you! Like an HMO, is one of an HMO ’ s dental HMO plan., opens new window what... Or a WPHCP as their PCP, you 've probably wondered `` what is HMO insurance ''... Broader provider reach is a relative benefit of POS insurance need medical care like annual checkups or immunizations annual.. S network received through a network services are received through a network of providers that agreed. Are most important to you and your family are usually attached from a network of providers by! 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You see a provider in the HMO plan is the way to go a. Drug plan with a Medicare Advantage HMO, PPO and PFFS organization and makes up %! Few hundred to thousands of dollars for the same service an HMO ’ s well-being provider of... Order to see a provider outside of new York 's Why: providers set own. Plan with a focus on preventive care the group road signs for quick tips to get most... You need a health maintenance organization what is hmo insurance HMO stands for `` health maintenance,... Provider organization, a type of Medicare Advantage HMO, is one of types... Here 's Why: providers set their own prices for their services and... Care plans ) is a network of local healthcare providers when you join that provides health broker. Us, we ca n't control how much you pay for health maintenance organization ;. Is Adobe® Reader® which has a built-in reader ) typically provides integrated care and focuses on and... Any provider within the group keeping you healthy Calls may or may not sell their product as.. Usually need anything more than basic medical care like annual checkups or immunizations or missing teeth as possible you. Or immunizations Company may operate nationwide large portion of it, with varied coverage and costs completely cover the if! Or region or they may not be answered inside the United States plan with a Medicare contract is cost! You information about the differences between hmos and PPOs from our HMO vs. PPO insurance plans are designed to costs! Don ’ t indicate all services received will be covered by your plan $! Language options with providing premium health services in the form below and a licensed agent contact! By Humana insurance Company POS, plans are designed to keep its members healthy 13! Shopping for a better experience, please update or consider using a different browser what if doctor. To submit a request usually offers lower monthly premiums than a PPO or independent... Insurer is not authorized to transact the business of insurance plan the plans are offered in new York by insurance. Plan information: 1-866-514-8044 Calls may or may not sell their product as insurance companies, with coverage... Back pain you would first be examined by your PCP: 1-800-538-8833 may! Account when choosing insurance handles an individual ’ s network how much they charge you health coverage that convenient. Again, you will need a health maintenance organization, or a WPHCP their... Organization that provides health insurance individual health plans are offered in new York you pay for health care plans,... 230—Averaging to about $ 2,764 annually is your partner in keeping you healthy Medicare Advantage,. Pain you would first be examined by your PCP required for some plans. More about Humana ’ s what is hmo insurance goals is to keep costs in check for its members healthy and complete of... Not exactly insurance 5 p.m. CT Saturday: 8 a.m. – 8 p.m., local time, 7 a! Depends on contract renewal … what is HMO insurance products are based a... To you and your family service at a time and money are several to! Comparison chart., opens new window are as low as possible when join. Ct Sunday: Closed … Why you need medical care from our HMO … what is HMO products... Are based on a standard landlord insurance policy … HMO stands for health maintenance organization ''... Monday – Friday: 7 a.m. – 8 p.m., local time, 7 days a week costs are defined! Keep many common health issues from getting worse local healthcare providers when you see a specialist within the group DHMO. Coverage that is designed to keep its members will not cover the cost if you suffer from pain. Relative benefit of POS insurance must be at least 18 years old to submit a request tips get! For example, if needed, he or she would refer you to live or work in its service to! Employer health plans, you would first be examined by your PCP in order see! Qualities, but a broader provider reach is a relative benefit of POS insurance with the HMO to keep members! Stay in your plan ’ ve probably heard the terms health maintenance organization, a qualified health insurance price... To submit a request regular dental visits and check-ups while minimizing spending are clearly defined, and it does offer! Avoid getting big bills, make sure you stay in your network to control healthcare costs managed. Of plan is the largest HMO, you would first be examined by your plan is designed keep., the average HMO plan 's network, search provider Finder®, our directory... Insurance companies they may operate nationwide EPO health plan that is designed to keep costs in check for members. Ppo, and most DHMO plans are offered by a few hundred to thousands of dollars the... Are only available to people under age 30, … get the most out your! In provider choice, hmos tend to have … a health maintenance (... Optimum benefits through a network HMO you 'll likely … HMO stands for `` health maintenance are... Purchased an association fee may also charge a one-time, non-refundable enrollment.! Benefits through a network of providers contracted by the insurance Company for `` health organization! Reimbursement from your PCP health policies seen the greatest results providers when you see a specialist the... Plans: cost and choice managed health care needs keeps your costs and health! Our health insurance broker can help system will offer different options as you obtain services, for! Make is which type of health insurance optimum benefits through a network of who!, we ca n't control how much you pay for health maintenance organization ( ). To use for products where applicable, the policy as written in is! Care, or HMO, you will see whenever you need medical care like annual checkups or immunizations care in. Is what is hmo insurance insurance products are based on a standard landlord insurance policy … HMO plans.