How does a health management organization (HMO) type of insurance lower healthcare

costs?

You have to see a provider within the HMO's network. The network is made up of

providers that have agreed to lower their rates for plan members and also meet quality

standards. If you opt to see a doctor outside of HMO, you will have to pay the entire

cost of medical services. You may need a primary care physician (PCP) referral to be

covered when seeing a specialist

What did the Affordable Care Act...
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