HMO (Health Maintenance Organization)
An HMO health insurance plan usually restricts coverage to care from doctors within its network and often requires a referral from your primary care physician before you can visit a specialist.
Detailed Explanation
HMOs often have lower premiums but offer less flexibility in choosing healthcare providers.
Practical Example
Michael's health insurance is an HMO. He chose a primary care physician within the HMO network, and whenever he needs to see a specialist, he first needs to get a referral from his primary doctor.
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