How HMO Plans Work
Under most HMO Plans, you are limited to choosing your doctors and other care providers from within your plan’s network. Some plans may allow you to choose out-of-network doctors or other care providers for specific services called “point-of-service” or POS.
Those with HMO Plans may also get services outside of their network’s plan when it comes to things like emergency care or urgent care outside of your area.
HMO Plan Cost
HMO Plan costs are generally lower than PPO Plans. Still, costs vary depending on your plan and whether you have a plan that allows for services outside your network. To avoid being subject to increased out-of-pocket costs, make sure to know what your plan covers, and learn about costs associated with seeking services outside of your network. At Cashmore Financial Group, we can help you navigate these plans.