HMO means Health Maintenance Organization. It is a type of health insurance plan that gives you medical care through a specific network of doctors, hospitals, and clinics.
In daily life, people use HMO to talk about a plan that usually needs you to choose a primary doctor and get referrals before seeing specialists. It is often chosen because it can be more affordable and easier to manage, as long as you stay within the plan’s network.
Meaning & Usage
An HMO is a health plan with set providers and rules for care. People often mention it when comparing insurance options or choosing coverage through work or private plans.
Examples
For example, someone might say, “My HMO covers visits to my regular doctor, but I need a referral to see a specialist.”
Context / Common Use
HMO is commonly used in the U.S. when talking about health insurance. It is one of the main plan types people compare with PPO and other coverage options.
Is an HMO cheaper than other health plans?
Often, yes. HMO plans usually have lower monthly costs, but they also have more rules about where and how you get care.
Do I need a referral with an HMO?
Usually, yes. In many HMO plans, you need a referral from your primary doctor to see a specialist.
Can I see any doctor with an HMO?
Not usually. HMO plans normally require you to use doctors and hospitals in the plan’s network, except in emergencies.
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