HMO Plans
Lower cost, more structure
- Requires referrals to see specialists
- Must stay in-network (except emergencies)
- Usually lowest monthly premium
- Requires referrals to see specialists
- Must stay in-network (except emergencies)
- Usually lowest monthly premium
- Requires referrals to see specialists
- Must stay in-network (except emergencies)
- Usually lowest monthly premium
Best If
You want to save money and don’t mind coordinating care through a primary doctor
