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What is stands for: Well being Upkeep Group

What it’s: In an HMO plan, you typically must select a primary care physician (or “PCP”) from a neighborhood community of health care providers. If you become sick or injured, you need to see this supplier first.

– If your PCP can’t provide the treatment you need, they will refer you to a specialist that can also be a part of a neighborhood community. The PCP serves as your health care “quarterback,” coordinating your therapy and directing you the place to go.

Example: Bob is experiencing back pain. He visits his major care physician for an examination. The PCP decides that it would be finest for Bob to meet with a chiropractor. The PCP points a referral for Bob to schedule an appointment with one of many chiropractors within Bob’s network.

Benefit: HMO plans sometimes cost less than other forms of insurance coverage.

Disadvantage: HMO patients are restricted to a network and will not see a specialist and not using a referral or acquire protection for companies acquired outdoors of the network.

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