HMO stands for Health Maintenance Organization. It is a type of health insurance plan that usually gives you care through a network of doctors, hospitals, and clinics.
In everyday life, people use the term HMO when talking about health plans that ask you to choose a primary doctor and get referrals for certain specialists. It is common in workplace benefits and private insurance, especially when people want lower monthly costs and don’t mind using a set network of providers.
Meaning & Usage
An HMO is a health plan with rules about where you can get care. You usually stay inside the plan’s network, and your main doctor helps manage your treatment.
Examples
For example, someone might say, “My company offers an HMO plan,” or “I need a referral from my HMO doctor before seeing a specialist.”
What does HMO stand for?
HMO stands for Health Maintenance Organization.
How does an HMO plan work?
It usually requires you to use doctors and hospitals in the plan’s network, and often you need a primary care doctor to refer you to specialists.
Is an HMO good for everyone?
Not always. It can be a good choice if you want lower costs, but it may give you less freedom to choose providers.
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