An HMO (Health Maintenance Organization) is a type of health insurance plan that requires members to use a network of providers and obtain referrals for specialists, often at lower costs.
- What is an HMO?
Answer: It is a health insurance plan requiring a network of providers and referrals. - What are the benefits?
Answer: Benefits include lower premiums and coordinated care. - What are the limitations?
Answer: Limitations include restricted provider choice and referral needs. - Who manages HMOs?
Answer: Insurance companies or employer plans manage them. - How does HR support HMO enrollment?
Answer: HR provides information, enrollment support, and network details.
