What does a health maintenance organization (HMO) provide?

A health maintenance organization (HMO) is a type of managed care plan that emphasizes preventive care and requires members to select a primary care physician (PCP). This PCP acts as a gatekeeper, coordinating the member's healthcare needs and directing them to specialists within the HMO network if necessary. The requirement to use specific providers within the network allows the HMO to manage costs effectively while ensuring that members receive timely and coordinated care.

This structured approach not only helps in managing healthcare expenses but also focuses on preventing health issues through routine check-ups and screenings. Hence, option A accurately describes the model of an HMO.

In contrast, options that suggest coverage limitations or a lack of structure do not align with how HMOs function. For example, the other choices imply either a restrictive coverage model that only supports emergency care or a non-restrictive network of providers, which does not reflect the specific requirements and coordinated care approach typical of an HMO. Understanding these nuances helps clarify the significant role of managed care organizations in the healthcare system.