[header] How to choose health insurance [title] Learn about health maintenance organization (hmo) plans. [step] Hmo plans generally restrict your coverage to doctors and specialists who either work for that hmo or contract their services. Depending on the hmo plan you're considering, you may be required to live or work in a specified service area to qualify for coverage. 
[substeps] Hmo plans do not usually cover out-of-network care, or only provide limited out-of-network care, unless you are seeking emergency services. Hmo plans generally provide you with the least freedom to decide where you will receive your health care.