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HMO (Health Maintenance Organization) Coverage
These are
essentially prepaid health plans. In exchange for a monthly premium,
the HMO provides comprehensive care for the insured, including
doctors' visits, hospital stays, emergency care, surgery, lab tests,
x-rays, and therapy. Care is provided either directly in its own
group practice or through doctors and other health care
professionals under contract. Generally, the choice of doctors and
hospitals is limited to those that have agreements with the HMO.
Although, exceptions can be made in emergencies or when medically
necessary.
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