HMO plan is the type that requires a person to use only network providers.
<h3>What is the HMO plan?</h3>
A network or organization that offers health insurance coverage in exchange for a monthly or yearly charge is known as a health maintenance organization (HMO).
An HMO is a collection of health insurance companies that restricts coverage to medical services delivered by physicians and other providers who have agreements with the HMO.
These agreements permit reduced premiums because healthcare providers benefit from patient referrals, but they also impose more limitations on HMO members.
Participants in HMO plans must first receive medical care services from a designated provider known as the primary care physician (PCP).
Healthcare plans that are alternatives to HMOs include point-of-service (POS) plans and preferred provider organizations (PPOs).
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