Health Maintenance Organization (HMO)
A type of health insurance plan that requires you to choose a primary care physician and get referrals to see specialists. HMOs generally have lower premiums and out-of-pocket costs, but less flexibility in choosing providers. You must use in-network doctors except in emergencies.
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Disclaimer: This glossary entry is for informational purposes only and does not constitute financial or insurance advice. Consult with a licensed insurance professional for personalized guidance. GuardianChoices may earn affiliate commissions from links on this site — see our advertiser disclosure.
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