What is HMO insurance?
HMO or Health Maintenance Organization has a range of health insurance plans to offer to the U.S. population. In case of HMO, you will essentially get a PCP to take care of your personal healthcare requirements. In case you need a specialist, your HMO will cover your medical costs in case you choose one from in-network. However, in case your specialist is from out-of-network, HMO will not cover your medical costs. Also, your PCP cannot refer you to it.
How does HMO health insurance plan work?
Under HMO plans you can have benefits like:
Freedom of picking your primary care physician (PCP) within the health insurance plan’s network
In HMO health plan your health insurance provider will entail a primary care physician for you. You have the liberty to pick your PCP from the list of physicians in your network of the plan. However, you will not receive any coverage in case you have not chosen healthcare from in-network. Moreover, for all further health care requirements, it is only through the PCP and his/her reference you can go for specialist consultation.
Affordable HMO health insurance premium monthly
At TrueCoverage, our effort is to help you receive medical attention at affordable costs. Our HMO plans are highly affordable and come with low cost premiums.
Prescription medicines is better than standard prescription drugs provided by pharmacies
Prescription drugs can be very expensive and unaffordable. At TrueCoverage, we have special HMO insurance provisions where we provide prescription medicines at a lesser cost.
Global emergency out-of-network HMO coverage
On shore and off shore medical coverage for all sorts of medical attentions will be provided. We have a network of physicians who can provide cure for almost all basic illnesses around the world. However, in case of emergency, TrueCoverage’s HMO healthcare plans will provide assistance to emergency care anywhere in the world.
Annual Preventive healthcare service
For all blood tests, annual lab tests, mammograms, and other preventive cares annually, TrueCoverage’s HMO health insurance plan can help receive free tests for these preventive services once a year.
Medicare HMO insurance plans
TrueCoverage has included all benefits of the earlier Medicare (2010). The benefits will also include covering prescription drugs, lower out-of-pocket costs and lower premiums on its plan than other plans under health insurance in HMO. Medicare HMO insurance plan can manage your healthcare budget by keeping it marginal.
HMO dental insurance plan
In your Dental HMO or DHMO plan, you need to choose your dental PCP or primary care dentist (PCD). You have the option to switch your dentist once in a month. All you need to do is call your emperor. Even when the transfers are effective from the following month, some dental clinics may not see you until you are listed in their list of patients.
HMO vs. PPO
|Your PCP is the First point of contact||No need to select a PCP for consultation and referral|
|You will need referral from your PCP for all specialists consultation||Your referral provided by the PCP will only be within in-network for PPO health insurance plan to cover your medical costs|
|If you consult out-of-network specialist, you will pay total out-of-pocket cost unless it is emergency and you have no option||In case of selecting out-of-network specialist, a portion of your expense will be covered under your health insurance plan|
HMO vs. POS
|Your PCP is the First point of contact||Its a hybrid of HMO and PPO health insurance plan|
|You will need referral from your PCP for all specialists consultation||Like HMO you need PCP referrals, but you will pay less like PPO for out-of-network specialist consultation and treatment|
|If you consult out-of-network specialist, you will pay total out-of-pocket cost unless it is emergency and you have no option||You have the PPO options of getting a portion of your medical care covered by your POS health insurance plan|
HMO vs. EPO
|Your PCP is the First point of contact||This is also a hybrid of HMO and PPO|
|You will need referral from your PCP for all specialists consultation||There is more flexibility than HMO in choosing specialists and the price is less than EPO|
|If you consult out-of-network specialist, you will pay total out-of-pocket cost unless it is emergency and you have no option||If you wish to see physicians without referral, this is the best health insurance plan|
Condition necessary to become HMO enrollee
You must have a Primary Care Physician (PCP) from within your locally available health coverage service. With HMO, you can only pick a physician from in-network for your consulting. In case you need a specialist, your PCP has to recommend the physician for you to be able to use the benefits HMO plans. All the care you receive will be coordinated through your PCP. If the PCP is not skilled with medial facilities you require, make sure you get a proper replacement, as this an entirely in-network health insurance plan. You will most likely not get an out-of-network care, as that is an exclusive option in case of emergency.