A health maintenance organization (HMO):

Question

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HMOs have a network of providers that members must use in order to receive coverage for medical services. This can limit the choice of doctors compared to a PPO, which allows members to see any doctor without a referral. HMOs may also be less expensive than PPOs in terms of monthly premiums and out-of-pocket costs. However, HMOs typically do not have a deductible for out-of-network expenses because out-of-network providers are not covered at all.

A Health Maintenance Organization (HMO)