HMO
A Health Maintenance Organization plan. You must use in-network providers and get referrals from your primary care doctor to see specialists. Learn about pros, cons, and coverage details. Get free guidance from licensed agents.
Pros
Lower monthly premiums
Coordinated care through a primary doctor
Often includes extra benefits like dental and vision
Predictable out-of-pocket costs
Cons
Must use in-network providers
Referrals required for specialists
Limited flexibility for out-of-network care
Coverage varies by region
