It is an H.M.O. (Health Maintenance Organization).
<h3>What is H.M.O.?</h3>
A type of health insurance plan that typically restricts coverage to medical services from providers under contract or employed by the HMO. Except in cases of urgency, out-of-network care is typically not covered. You might need to reside or work in an HMO's service region in order to be eligible for coverage. HMOs frequently offer coordinated treatment with an emphasis on wellness and prevention.
An HMO's tendency to offer lower monthly premiums and out-of-pocket expenses (deductibles, copays, and coinsurance) than other insurance plans is one of its benefits. For those who simply require routine medical care, such as yearly exams and immunizations, an HMO is particularly cost-effective.
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