HMO

A Health Maintenance Organization Plan is the best option for people who want a plan that has lower premiums and extensive coverages for preventative care that include regular checkups and immunizations.

An HMO will require you to list your preferred primary care physician who will take care of most of your healthcare needs, and will provide a referral to a specialist if needed.

While you won’t have any out of network coverage, as with a PPO plan, you will have benefits such as not having to submit claims to the insurance company personally, and have minimal out of pocket expenses for your healthcare.