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Health Maintenance
Organization
HMO's
are the oldest form of managed care plan. They offer members a range of
health benefits, including preventative care, for a set monthly fee. There
are many kinds of HMO's. The network of providers may operate from:
- a central medical
office or clinic
- private offices
Choice:
The Health Maintenance Organization (HMO) plan will provide a list of
doctors from which to choose a primary care physician. This doctor will
coordinate medical care and must approve referrals to specialists and
other medical care providers.
Costs:
Some HMO's require a co-payment, like $5 or $10 for various services.
Yet, with other HMO's you will pay nothing when you visit the doctor.
If the policyholders choose not to use the primary care physician they
have selected from the company list then they will be fully responsible
for the costs.
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