What is an HMO?

A Brief PowerPoint summary of an HMO.

1. What is an HMO?

2. Tell me about… HMOs Health Maintenance Organization (HMO) Insurance

3. The Breakdown of an HMO Plan HMO means "Health Maintenance Organization." HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan.

4. How does an HMO plan work? Variations Many variations, but typically it enables members to have lower out-of-pocket healthcare expenses, But also less flexibility in the choice of physicians or hospitals than other plans. Requirements May require you to choose a primary care physician (PCP) . A referral is required to see a specialist from their PCP. May not be required to pay a deductible before coverage starts and your co-payments will likely be minimal .

5. HMOs Claim Submissions? You also typically won't have to submit any of your own claims to the insurance company. No Coverage? No coverage for services rendered by out-of-network providers or for services rendered without a proper referral from your PCP or in cases of certain emergency situations . Preventive Services HMOs generally provide coverage for a broader range of preventative services than other policies. Employees may or may not be required to pay a deductible before their coverage starts, and will usually have a copayment .

6. An HMO may be a good option for an individual/family or a small business if you: Prefer lower premiums Like the trade-off of in-network services Desire good preventive services such as coverage for checkups and immunizations

7. Ask me a question… Message me: LinkedIn Email me: [email protected] Call me: 724-941-8772 (cell)