A health maintenance organization (HMO) is a type of health insurance plan that requires plan participants to receive their health care services only from providers who contract with the HMO. Out-of-network care generally is not covered, except in cases of emergency. An HMO may limit eligibility to those who live or work in its service area and often requires referrals to specialists from primary care physicians who are responsible for managing patient care. HMOs often provide integrated care and focus on prevention and wellness.
What Is a Preferred Provider Organization (PPO)?
What Is a Point of Service (POS) Plan?
What Is a Self-Insured Health Plan?
What Are Insured Health Plans?