What Does HMO Health Insurance Mean? 
HMO stands for Health Maitence Organization . It is the most basic form of managed care that one can get . It is characterized by having a primary care phycisian PCP who is entrusted to effectively implement `` utilization management '' processes -LRB- cost containment procedures to effectivly deliver effective medical care -RRB- . One who has a HMO policy is generally called a member or subscriber , and must recieve a referal from their PCP before they seek specialist treatment . HMO 's also utilize `` networks '' that limit costs but can also limit ones choices when it comes to what Dr they can see . 