"HMO." YourDictionary, n.d. Web. 12 October 2018. <http://www.yourdictionary.com/hmo>.
HMO. (n.d.). Retrieved October 12th, 2018, from http://www.yourdictionary.com/hmo
A health care plan in which medical costs are controlled by limiting services to a specific network of medical personnel and facilities and usually by requiring referral by a primary-care physician for specialty care.
When looking for affordable medical health care insurance coverage, you may find that you have to choose between several types of insurance plans such as health maintenance organizations (HMO) or preferred provider organizations (PPO).
A HMO type of health insurance plan allows the covered person to receive treatment from only those professionals who agree to the restrictions, guidelines (including payment terms) and other policies of the insurance provider.
Employers can choose from a number of options, including HMO and PPO plans, high deductible plans, or a CoverageFirst plan that offers coverage for basic health care along with coverage for major illness or injury.
For example, instead of opting in to a PPO, which will allow the policyholder to choose a health care provider, some people opt for an HMO policy which costs less but does not allow such flexibility.
They are similar to an HMO that co-pays for office visits and basic dental procedures tend to be low, but unlike an HMO, a PPO does not require members to select a primary care dentist.