Health Maintenance Organization Insurance
HMO is short for Health Maintenance Organization. HMO plans usually focus on preventative care and wellness.
What is an HMO plan?
An HMO plan offers healthcare services through a network of hospitals, pharmacies and doctors. HMOs plans require you to choose a primary care provider who refers you to specialists. HMOs are in-network only plans that do not offer coverage out of network except in emergency situations. This typically makes the premiums lower compared to other types of plans.
How to use an HMO plan
HMOs cover a wide range of healthcare services. To use your HMO coverage you’ll need to select a primary care physician (PCP). Typically, the list of approved providers include GPs, internists, pediatricians, and DOs and others. If you needed to see a specialist, you would first see your primary care provider who would then refer to you to a specialist. Depending on the plan you choose you could pay a copay for your office visit or it may be subject to the deductible.
Who should choose an HMO plan?
If you are looking for lower premiums an HMO may be a good option for you. HMO plans require a bit more patience as you have to get a referral for specialists, but that patience rewards you with premium savings. If you are someone who wants to see any doctor you choose when you want to, a HMO may not be a good choice for you.
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All you pay for is the premiums, which are the same with or without our help.
Individual HSA Plans Insurance FAQs
Who Can Buy HMO Insurance?
The eligibility criteria for HMO insurance are simple which makes HMOs a great option for individuals and families and employer groups. You may be required to live in the plan’s service area in order to be eligible, however. Contact an HMO insurance broker in Washington to learn whether you can get an HMO plan.
Where can you buy an HMO plan?
You can buy a plan from a health insurance agency such as McGregor Benefits. Working with an agency is good, because they handle all the difficult work so you don’t have to. In addition, when you work with us, you pay nothing other than your premium. In other words, our services to you are completely free!
What’s the process like?
The process is very straightforward, and doesn’t take long. You will need to talk to an agent about your needs, budget and preferences. They’ll look up plans on the Washington Healthplanfinder and direct to the carrier. You can then go through the available options and see what you like best based on the premium, HMO networks, and other criteria.