CareHealth Guide

Guide in Getting an HMO Insurance

As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP. Though there are many variations, HMO plans typically enable members to have lower out-of-pocket healthcare expenses. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. You also typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage for services rendered by out-of-network providers or for services rendered without a proper referral from your PCP.

An HMO plan may be right for you if:

You're shopping for a plan with lower premiums
You want a plan without a deductible and don';t mind having an out-of-pocket limit
You need preventive care services such as coverage for checkups and immunizations.