What are HMO?

An HMO is a Health Maintenance Organization which is a type of health insurance plan. An HMO typically covers all or most of your doctor visits and hospitalizations except for a minor co-pay provided you stay within their network of doctors. Participating in an HMO plan requires that you select a Primary Care Physician who then must refer you to a specialist if needed. HMO’s are often more restricitive than other types of insurance plans.