An HMO is a health-care plan that establishes a network of doctors who provide a broad range of services for a set fee,providing the advantages of managed care and the flexibility of traditional insurance.

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An HMO (Health Maintenance Organization) provides managed care for health insurance, requiring members to use a network of doctors and hospitals. It does not offer the flexibility of traditional insurance, as it typically restricts coverage to care from doctors who work for or contract with the HMO.

An HMO Is a Health-Care Plan That Establishes a Network