Listed here are discussions of some of the more common terms batted around newsrooms today. In other words, HMO physicians attempt to reduce costs by limiting blood tests, x-rays, CT cans, referrals or other services that cost a bundle but might not be considered necessary. HMO's often provide preventive care that is not covered by traditional insurance plans. Under an HMO, you can only visit a specialist by getting a referral from your primary care physician. People sign up for membership in an HMO based on the offerings of their employers.
Most plans have no deductibles and have low co-payments for each visit.
Since HMO's pay for the services consumed by patients, the HMO's have an incentive to keep their members healthy. As a result, they offer screenings, exams, health education, and other preventive care. Studies have shown that preventive care and health promotion are effective. Con's The strongest argument against HMO's is their limitations on patients' and providers options. By signing on to an HMO, you are restricted to choosing a physician that has signed with your specific plan.