Hmo Health Insurance Definition
It is an organization that provides or arranges managed care for health insurance self funded health care benefit plans individuals and other entities acting as a liaison with health care providers hospitals doctors etc on a prepaid basis.
Hmo health insurance definition. Ehealthinsurance is the nation s leading online source of health insurance. A health maintenance organization hmo is a network or organization that provides health insurance coverage for a monthly or annual fee. What s in a name. An hmo gives you access to certain doctors and hospitals within its network.
Hmo stands for health maintenance organization. The latter rule even applies to specialists. A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the hmo. Unlike an hmo a ppo plan allows members to see any health care provider who is within the insurance company s network without a referral.
This allows the hmo to keep costs in check for its members. Ehealthinsurance offers thousands of health plans underwritten by more than 180 of the nation s health insurance companies including aetna and blue cross blue shield compare plans side by side get health insurance quotes apply online and find affordable health insurance today. Hmo health insurance plans. Bureau of labor statistics.
Hmos ppos and more. How to pick a health insurance plan health insurance plan and network types. Understanding health plan types. An hmo may require you to live or work in its service area to be eligible for coverage.
The lack of pcp referral requirements makes this the preferred type of plan for individuals who need to regularly visit specialists. Hmos often provide integrated care and focus on prevention and wellness. Health maintenance organizations hmos cover only care provided by doctors and hospitals inside the hmo s network. Hmos often require members to get a referral from their primary care physician.
What are the differences between hmo ppo epo and pos plans. A network is made up of providers that have agreed to lower their rates for plan members and also meet quality standards. 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. Hmo health insurance is health coverage that is offered by a health maintenance organization or hmo this type of health insurance is considered to be a subset of prepaid medical services in which members of the organization can obtain medical services from a select group of physicians and health care facilities.
Malcolm tatum last modified date. In the united states a health maintenance organization hmo is a medical insurance group that provides health services for a fixed annual fee. It generally won t cover out of network care except in an emergency. August 01 2020.
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