what is hmo insurance

An HMO, or Health Maintenance Organization, is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It typically does not cover out-of-network care except in an emergency and may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care, focus on prevention and wellness, and have lower costs compared to other types of health insurance plans