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There are a wide variety of health maintenance organizations (HMOs) that are currently in existence. MVP, Blue Cross, and Medicare, for example, are all examples of HMOs.
Dental HMOs are the least expensive, have the most predictable out-of-pocket expense (usually a stated $ amount for each service) and have no annual maximums like other insurance products. The flip side is that dental HMOs limit your choice of dentist to one in the network. Dental HMOs are the most commonly available insurance policy for individuals and Dental PPOs are the most common insurance policy offered on a group basis through employers. You can look up the companies that offer these different products to individuals in your state at INeedDentalBenefits.com.
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HMOs, or Health Maintenance Organizations, require members to select a primary care physician to coordinate their care. Members usually have to seek care within a network of healthcare providers chosen by the HMO. Referrals are typically needed to see specialists. HMOs focus on preventive care and often require preauthorization for certain services.
The main types of health insurance coverage are HMOs, PPOs, EPOs, and POS plans. HMOs require you to choose a primary care physician and get referrals for specialists. PPOs offer more flexibility in choosing healthcare providers. EPOs have a network of providers but don't require referrals. POS plans combine features of HMOs and PPOs.
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reduced premiumsreduced co-paymentsno deductibles or annual maximums
Health maintenance organization Or HMOs
The main types of health insurance are HMOs, PPOs, EPOs, and POS plans. HMOs require you to choose a primary care physician and get referrals for specialists. PPOs offer more flexibility in choosing healthcare providers. EPOs are similar to PPOs but do not cover out-of-network care. POS plans combine features of HMOs and PPOs, allowing you to choose in-network or out-of-network care.