What type of coverage does an HMO network provide?

An HMO (Health Maintenance Organization) network primarily provides in-network coverage. This means that members are required to use a specific group of healthcare providers who are contracted with the HMO to receive the maximum benefits from their insurance plans. The focus on in-network care helps manage costs and encourages preventative care by having a regular primary care provider who coordinates services.

Choosing in-network providers generally leads to lower out-of-pocket costs for members, as services are pre-negotiated at lower rates with these providers. Additionally, HMO plans typically require referrals to see specialists, keeping care coordinated and ensuring that the member's primary care provider is actively involved in managing their health.

While options related to out-of-network care, limited networks, and extended networks may exist in other types of insurance plans (like PPOs or EPOs), they do not accurately describe the standard coverage structure of an HMO, which emphasizes in-network access as a fundamental aspect of its operation.