What is HMOWhat is HMOHMO Health Insurance is a Health Maintenance Organization. It is a form of health insurance in which members prepay a premium for the HMO's health services. The HMO is the legal entity that assumes responsibility for health care services and for the cost of the insured's care. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy. This type of health care plan provides a range of health care services to its insured members. An HMO contracts with health care providers, physicians, hospitals, and other health professionals. This is why HMO members are required to use participating providers in the HMO network, which are coordinated by a primary care physician selected by the insured from a list of providers. Home | Site-Map | Email Us What is HMOHMO |