Buying Health Insurance For Dummies -

: Usually limits coverage to care from doctors who work for or with the HMO. You typically need a referral from a primary doctor to see a specialist.

Insurance companies have "networks" of doctors they’ve negotiated cheaper rates with. buying health insurance for dummies

: Lowest monthly premiums, but highest costs when you actually get care. Best if you rarely see a doctor. : Usually limits coverage to care from doctors