What is a common characteristic of Health Maintenance Organization (HMO) plans?

Health Maintenance Organization (HMO) plans are notable for their structure that emphasizes coordinated care and preventive health services. A defining characteristic of HMO plans is the requirement for members to select a primary care physician (PCP). This PCP serves as the first point of contact for medical care and is responsible for managing the patient’s healthcare needs, including referrals to specialists when necessary. This model encourages continuity of care and enhances the management of patient health by centralizing their medical interactions.

Choosing a primary care physician helps streamline the healthcare process and ensures that care is coordinated, which can improve health outcomes while often keeping costs lower compared to other plan types. The focus on preventive care within HMO plans is also significant, but it specifically aligns with requiring a PCP to navigate treatment and specialty care, making this answer particularly relevant.