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My Coverage Explained
What is HMO?
Don’t shy away from the acronym! It’s simpler than it seems. HMO stands for Health Maintenance Organization. It’s a type of health plan that gives you access to a network of contracting doctors and hospitals, sometimes called “providers”. This group of health care professionals work together to provide you with a full range of covered health care services. It’s different from PPO (Preferred Provider Organization) insurance in a few ways.HMO Insurance Doctors and Care:
If you need to see a specialist or need any special tests, you will first need a referral from your PCP before seeing another doctor. It’s a good idea to search our Provider Finder to make sure the specialist is in your network. Remember, if the specialist isn’t in your network, or if you haven’t received a referral from your PCP, the services won’t be covered.HMO Cost and Coverage:
Key Things to Remember about HMOs:
Help and ToolsWhenever you have questions about your HMO plan, use our resources! call the customer service number on the back of your member ID card or sign up for Blue Access for MembersSM. BAM lets you keep track of your balances, claims status, benefits, coverage details and more.
If you’re not a member yet, but are considering buying an HMO Insurance plan, check out our shopping guide or call our enrollment team with any questions at 877-731-4649.
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I don't see any information here about deductibles and coinsurance. Are these types of member costs associated with HMOs?
Hi NotBobB , yes HMO plans can have these. If you would like more information on your plan please private message us. We are happy to look into it for you. - Araceli
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