Choosing an HMO usually means that you agree to use a specific team of health care professionals. In most cases  you select one doctor, from a list of the members, who will serve as your Primary Care Physician. This physician now coordinates all of your health care, which means that he or she treats you directly and, when necessary, manages your referral to specialists. The only exceptions to first going to your Primary Care Physician is for visits to an OB/GYN or in an emergency.

Some HMO's are becoming more flexible with the above structure, Service on sight ishappy to discuss with you and where ever necessary to educate you on the variations that can make the difference in your choice of HMO health insurance

Primarily the highlights of HMO insurance include:

• Lower out-of-pocket expenses.
• No deductibles or plan limits.
• Low cost doctor office visit co-pays of $5-$15.
• Usually no or very low hospital deductibles.
• No paperwork or claim forms.
• Pre-existing conditions may be covered.
• More comprehensive coverage.
• Limited choices of doctors and facilities.
• If you were to travel out of state, you are covered for
  emergencies as if you were in the network.