An HMO delivers health services through a network. With an HMO, you may have:
- The least freedom to choose your health care providers
- Predictable out-of-pocket costs
- The least amount of paperwork compared to other plans.
- More preventive care in your benefits package
- A primary care physician to manage your care and refer you to specialists when you need one so the care is covered by the health plan
- No deductible
- Copays for each type of care