A different category of group insurance plan available in US is known as health maintenance organizations or HMO. Under this plan, the insured will have to pay a fixed amount every month towards the insurer and is called as premium. The insured will get a variety of benefits from the insurance company as well as the physicians.

You will get a primary physician who will take care of your health care. He will also refer you to other specialists. You will not get chances to demand your physicians. They will be having agreements with your insurance company. Exceptions are allowed under emergency situations. You will have to make the co-payment.