Health HMO PDF Print E-mail


HMOs usually offer smaller networks of doctors and hospitals. Employees who are insured incur no deductibles and do not file claim forms when using this narrower list of providers. Typically, there is a small co-pay per visit with most other charges being covered. However, in contrast to the PPO and POS plans, an employee selects a Primary Care Doctor, who is responsible for meeting that person�s health care needs. If an insured needs to visit a specialist, that patient must receive a referral from the primary care doctor. HMO providers usually agree to substantially reduced charges. These lower fees are reflected in lower insurance premiums.