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HMOs are the oldest form of managed care plans, and typically the least expensive way to receive medical care. HMOs offer a broad range of health benefits, including preventive care, for a set monthly fee.

In exchange for low rates, HMO members give up the freedom to choose their own doctors, and must use doctors within the HMO network. Primary care physicians typically refer patients to doctors and specialists within the HMO network for different health care needs.

Health Maintenance Organizations

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