There are several restrictions for those covered under HMOs, which is why these plans have such a bad reputation. For instance, HMOs only allow insured parties to see individuals in their own network, which means that insured parties are responsible for the full amount of a visit to any doctor or specialist outside this group. The plan also may require individuals to live in a certain area, This means that someone who receives medical service out of the HMO’s network must pay for it themselves. The plans also require individuals to choose a PCP who determines the kind of treatment that patients need.