What is an HMO Health Plan

Health Maintenance Organizations (HMOs) are sometimes called prepaid health plans. A member pays their monthly premium and receives coverage for all medical costs as long as the member uses providers included in the HMO network and the procedures performed are approved covered expenses. The benefits and premium rates are predetermined.

The member of an HMO chooses a primary care doctor to plan and oversee their medical care, provide medical treatment and to make referrals to any necessary specialists for specialized care. If the member chooses to go outside of the HMO's network to receive care, he or she will be responsible for all costs of medical services provided by out-of-network providers.

Answers to Your Questions About HMO Health Plans

HMO plans are designed to keep costs low by providing carefully planned care and by providing preventative health care and information to the member before a member falls ill. HMOs are built upon a network of hospitals and physicians that agree to provide health care to the HMO members in exchange for a monthly charge paid by the HMO plan.

Bottom Line Insurance Consultants carries HMO plans from the leading health insurance companies in the country. Our agents are very knowledgeable about HMO plans and how they work, and can help you find the best HMO plan to meet your needs.

We are not obligated to any one insurer, and we guarantee that you will pay the lowest price, no matter how you buy your insurance. We can provide this service at no additional cost to you since our fees are paid by the insurance companies.

If you are in need of health insurance, please our HMO Health Plan Consultants at Bottom Line Insurance Consultants today. We look forward to helping you with all of your insurance needs.

What is an HMO Health Plan | Answers to Your Questions About HMO Health Plans

Bottom Line recommends that you talk to one of our consultants before applying on any website including ours.   When comparing benefits from each carrier, the benefits aren't always as they appear.  You are making an important decision.  Call for complete policy information before applying. 

There is no added cost when applying through Bottom Line or for consulting with our insurance professionals.  Premiums are the same as buying direct from the insurers and you get ongoing customer service year after year at no added expense to you.