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HMO Health Insurance

The HMO (Health Maintenance Organization) is a plan where you choose one doctor who is your primary care physician (PCP). You must first get permission in the form of a referral from your primary care doctor if you need to go to a specialist. That is why they are sometimes called Gatekeepers.

The main drawback of a HMO is that you do not have freedom of choice to go wherever you want. You are forced to stay in network and go to your PCP if you want to be covered under your health insurance plan. You pay a monthly premium, and most of your services will cost very little. Although they are still available, many HMOs have gone out of business in the last few years.

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