Health insurance can be confusing, and understanding your policy can be a key part of ensuring that you’re making the most of all that your plan has to offer. Here, we’ll take a look at how your HMO works.
What Is An HMO?
An HMO, or health management organization, is made up of a network of medical care providers. People who have health insurance through an HMO receive most of their care through a primary care provider, or PCP.
How Can Patients Get Specialty Care Through An HMO?
Patients who have health insurance through an HMO usually need to see their primary care physician for a referral to a specialist. Their primary care physician will treat their condition if possible, or refer them to a specialist if the patient needs specialty treatment.
Why Some People Prefer HMO Insurance Plans
In an HMO plan, patients are limited to choosing from care providers within the network of the HMO. This means that premiums are lower than insurance plans that allow patients to choose any doctor. Some people prefer to have more freedom in choosing their healthcare provider, and would rather use a different plan that does not require them to stay within an HMO network. Alternative plans to HMOs include point-of-service, or POS plans, preferred provider organizations, or PPO plans.
Reach Out To Midwest Professional Insurance Today
If you’re searching for the right health insurance plan for your needs, reach out to an agent at Midwest Professional Insurance today. They’ll work with you to ensure that they understand what you want from your plan, helping you choose an option that makes sense.