What Does HMO Health Insurance Mean?

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    Christopher Lawrence
    Insurance Broker | Financial Consultant, Lawrence Insurance Consulting, Southern New Jersey
    HMO stands for Health Maitence Organization. It is the most basic form of managed care that one can get. It is characterized by having a primary care phycisian PCP who is entrusted to effectively implement "utilization management" processes (cost containment procedures to effectivly deliver effective medical care). One who has a HMO policy is generally called a member or subscriber, and must recieve a referal from their PCP before they seek specialist treatment. HMO's also utilize "networks" that limit costs but can also limit ones choices when it comes to what Dr they can see.
    Answered on June 21, 2013
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