Be sure to ask if they belong to a Preferred Provider Organization or Health Maintenance Organization. Deductibles must be met before coverage begins on most services. Each PPO can provide you with a list of preferred providers in their network. There is no coverage for care received from non-network providers, except for emergencies or when authorized by the plan. HMO members select a primary care physician to coordinate their care, including referrals to specialists and hospitals.
Members pay a flat co-payment for services received, rather than a percentage of the total cost.
HMO members do not have to meet a deductible for coverage to begin. Some services, such as annual check-ups, are only covered with network providers.