Learning about an HMO Plan

Learning about an HMO Plan

  • HMO is a managed health plan
  • The insurance company will provide a list of available practitioners in your network
  • Select your primary care physician also known as a PCP
  • You must arrange care through your PCP
  • Premium payments are usually pre-tax automatically deducted from your paycheck
  • Read the attached plan document
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Key Features

Key Features of an HMO Plan

  • Copayments are separate from deductibles
  • Routine checkups are typically free or may have a low copayment
  • Lab tests are usually covered separately for checkups vs. for medical conditions
  • Each person in your family will have their own deductible to satisfy
  • Your plan will have a maximum out of pocket expense for the family for the year

Additional Information

Click on these links for additional information.

Please read the attached plan document to learn more about your specific plan features.