What is a health maintenance organization (HMO)?

A health maintenance organization (HMO) is a type of health insurance plan that is regulated by state and federal law in Washington. This type of insurance plan provides comprehensive health care coverage and is designed to provide cost-effective health care services to its members. Generally, HMOs will contract with specific providers, or doctors, to provide medical care for its members. In order to receive coverage and medical care, members must enroll in an HMO and use the providers within the network. HMOs are a cost-effective option for many individuals and families, as they can provide a wide variety of health care services at a discounted rate. Generally, services covered by HMOs include preventive health care, physician visits, lab tests, hospital care, emergency services, and prescription drugs. Some HMOs may also cover specialist visits and additional services, such as home health care or physical therapy. HMOs can also provide care coordination and help members determine which provider is best for their needs. This type of coordination, known as managed care, can help members get the most out of their health care coverage. In addition, HMOs may also provide members with a Primary Care Physician (PCP) to coordinate all their medical care. Overall, health maintenance organizations are an important source of health insurance for many individuals and families, providing comprehensive coverage at an affordable price. By using HMOs, members can receive the care they need without breaking the bank.

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What is a health maintenance organization (HMO)?

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