A Health Maintenance Organization is an organization that provides comprehensive health care to members who pay a fixed, periodic fees to the HMO. In return, the members receive health care service as often as needed.

Highlights of a typical plan include, but are not limited to:

• Low Co-Pays.
• Panel of participating doctors and specialists.
• NO out of network coverage.
• Prescription coverage.
• Low Premiums.
• Minimal paperwork.
• No out of pocket expense for co-insurance on medical bills.

**Source for information taken from The Health Insurance Answer Book - Aspen Publishers, Inc.

E-Mail Nicholas Vignapiano for more information.