HMO insurance, also known as Health Maintenance Organization insurance, is a type of insurance plan that offers managed care through a network of healthcare providers. With an HMO, policyholders have access to a wide range of doctors, hospitals, and specialists who have agreed to provide services at predetermined rates. This network-based approach allows HMOs to offer lower monthly premiums, copays, and coinsurance compared to other types of insurance plans. One key aspect of HMO insurance is that it only covers care received within the network, except in emergencies. To access healthcare services, individuals must first choose a primary care physician
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