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What is an HMO?
Tell me about… HMOs
HEALTH MAINTENANCE ORGANIZATION (HMO) INSURANCE
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.
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.
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.
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
Ask me a question…
Message me: LinkedIn
Email me: acarrier@FinancialAndBenefitServices.com
Call me: 724-941-8772 (cell)

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What is 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: acarrier@FinancialAndBenefitServices.com Call me: 724-941-8772 (cell)