PREVIOUS QUESTION:

 

NEXT QUESTION:

 

What is an HMO insurance plan?

ANSWER

An HMO (health maintenance organization) delivers all health services through its network of healthcare providers and facilities. You may have:

You'll probably have a primary care doctor to manage your care and refer you to specialists when you need one so the care is covered by the health plan. Most HMOs will require a referral before you can see a specialist.

  • The least freedom to choose your health care providers
  • The least amount of paperwork compared to other plans

SOURCES:

Fair Health, Inc.: "Alphabet Soup of Health Plans" and "Understanding High-Deductible Health Plans."

The Henry J. Kaiser Family Foundation. “Health Reform FAQs: Marketplace Eligibility, Enrollment Periods, Plans and Premiums.”

Society for Human  Resource Management: “For 2015, Higher Limits for HSA Contributions and Deductibles.”  

Internal Revenue Service.

Life and Health Insurance Foundation for Education: "What are the Different Types?"

Minnesota Medicine, February 2011: "Five Payment Models: The Pros, the Cons, the Potential."

Office of Personnel Management: "Healthcare Plan Information" and "2013 High-Deductible Health Plans with Health Savings Accounts/Health Reimbursement Arrangements."

U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality: "Choosing a Health Plan."

Reviewed by Sarah Goodell on July 24, 2018

SOURCES:

Fair Health, Inc.: "Alphabet Soup of Health Plans" and "Understanding High-Deductible Health Plans."

The Henry J. Kaiser Family Foundation. “Health Reform FAQs: Marketplace Eligibility, Enrollment Periods, Plans and Premiums.”

Society for Human  Resource Management: “For 2015, Higher Limits for HSA Contributions and Deductibles.”  

Internal Revenue Service.

Life and Health Insurance Foundation for Education: "What are the Different Types?"

Minnesota Medicine, February 2011: "Five Payment Models: The Pros, the Cons, the Potential."

Office of Personnel Management: "Healthcare Plan Information" and "2013 High-Deductible Health Plans with Health Savings Accounts/Health Reimbursement Arrangements."

U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality: "Choosing a Health Plan."

Reviewed by Sarah Goodell on July 24, 2018

NEXT QUESTION:

What is a PPO health insurance plan?

WAS THIS ANSWER HELPFUL

THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

    This tool does not provide medical advice. See additional information.

    Other Answers On: