Healthcare

HMO

Health maintenance organizations (HMOs) offer predictable cost-sharing and administrative simplicity for patients. These features come with fairly restrictive rules about which providers patients may see. Participants are entitled to doctor visits, preventive care and medical treatment from providers who are in the HMO’s network.

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Getting Started

Trying to purchase health insurance can be a time consuming and confusing process, and it only gets more complicated when you look into offering group coverage for your employees. Use our simple explainers to navigate your options and find a plan that works for you and your business.

Lifetime cap

Prior to the passage of the ACA, insurance providers could impose a limit on the total amount of benefits you could receive throughout your lifetime. For example, the lifetime cap could be set at $1 million, and if an insurer reached that amount of spending on your health coverage, they could stop paying for your coverage. ACA-compliant plans are prohibited from imposing lifetime caps, but non-ACA compliant plans may not provide this protection.

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