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What is an HMO? |
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A health insurance plan or organization that provides a wide range of comprehensive healthcare services through a network of doctors, hospitals, labs, etc. who agree to provide services to HMO members at a pre-negotiated rate. As a member of an HMO, you will need to see your primary care physician for care or a referral to a specialist, except in case of emergency. Your choice of doctors is often restricted to those in the network. As an HMO member, if you don't use the healthcare providers that participate in your plan's network, you will usually bear the full cost of these services. |
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Which NJ Health Carriers Offer an HMO Design? |
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