What is an HMO?


A Health Maintenance Organization or HMO is a medical insurance group that provides health services for a fixed annual fee. It is an organization that provides or arranges managed care for health insurance, self-funded health care benefit plans, individuals, employers and other entities as a liaison with health care providers such as hospitals, doctors, clinics, laboratories, etc. on a prepaid basis.

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. Generally, HMOs provide integrated care and focus on prevention and wellness with very low out of pocket expenses.

The AccessHMO Gold and Platinum plans also feature a Preferred Provider Organization or PPO utilizing our U.S. partner PHCS with benefits that allow the patient to seek medical care at any licensed facility subject to pre-certification, deductible and co-insurance. Read the back of your insurance ID card for easy to follow instructions.