- Lower out-of-pocket expenses with family HMO insurance.
- No deductibles or plan limits.
- Low cost doctor office visit co-pays of $5-$15 with low cost family coverage.
- Usually no or very low hospital deductibles.
- No paperwork or claim forms.
- You may have to shop around, but pre-existing conditions may be covered with HMO coverage.
- Focus on preventative treatment.
- Limited choices of doctors and facilities.
- If you were to travel out of state, you are covered for emergencies as if you were in the network.
Highlights of HMO Family Insurance include
