Respuesta :
When people are insured with a HMO, they must seek care from a specific collection of doctors who have agreed to offer their services at lower rates.
What does HMO mean?
A type of health insurance plan that typically restricts coverage to medical services from providers under contract or employed by the HMO. Except in cases of urgency, out-of-network care is typically not covered.
Most people credit the creation of this sort of HMO to the California-based Kaiser Foundation Health Plan, the Health Insurance Plan of Greater New York, and the Group Health Cooperative of Puget Sound.
What is the benefit of HMO?
An HMO typically offers lower monthly premiums than other insurance plan types due to the agreed-upon payment amount. Additionally, they frequently have cheaper copays and coinsurance, which also contributes to their affordability.
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