If you're looking for a health plan that's easy to understand, easy to use and easy on your wallet, an HMO may be just what you need for you and your family.
Have you recently browsed plans or obtained a quote on our shopping tool?
Continue ShoppingAbout Our Plans
Individual and Family
Dental & Vision
Life & Disability
Pharmacy and Prescription Plans
Pharmacy
Understanding Health Insurance
How Health Insurance Works
Coverage Information
Importance of Health Insurance
Member Resources
Account Access
Quick Links
Policy Documents
New Member
If you're looking for a health plan that's easy to understand, easy to use and easy on your wallet, an HMO may be just what you need for you and your family.
An HMO, or Health Maintenance Organization, is designed to keep costs low and predictable. With one doctor to coordinate your care, an HMO health plan is easy to use and may be just what you’re looking for.
An HMO health plan offers:
An HMO health plan is care personalized to meet your needs. Your primary care doctor, or PCP, gets to know you, your health history and your family’s health history and how it may affect your health. Think of them as your personal care doctor.
When you first sign up for an HMO health plan, you choose, or are assigned, a primary care physician (PCP). Each family member on your plan can have their own PCP. PCPs can be doctors who practice:
Your PCP is listed on the front of your Blue Cross and Blue Shield of Oklahoma (BCBSOK) member ID card or you can find it when you log in to your Blue Access for MembersSM account.
You can change your PCP at any time, except if you are hospitalized or in the 2nd or 3rd trimester of pregnancy.
Online
HMO health plans are designed to help you stay healthy. Having one health care expert — your PCP — to coordinate all your health care needs keeps your costs and your health on track. An early diagnosis and treatment can keep many common health issues from getting worse.
Year after year, BCBSOK HMO health plans have proven to help improve member health results and lower their overall cost of care because health issues are managed before they get serious. People with chronic conditions such as asthma and diabetes have seen the greatest results.
Think of your PCP as your personal care doctor. Follow these guidelines to make the most of your relationship:
HMO health plans are designed to control costs through preventive health care that helps you avoid serious and costly health problems. Your costs are also kept low because the doctors and hospitals in the HMO provider network agree to offer their services at a set price.
The HMO network may include care and services from:
To avoid getting big bills, make sure you stay in the HMO provider network. If you go outside of the HMO network, in most cases, your HMO health plan won't cover any of your expenses. This is because providers set their own prices for their services, which can vary by a few hundred to thousands of dollars. Because out-of-network providers don't have a contract with us, we can't control how much they charge you.
To make sure a provider is in the HMO network, search our online directory. If you’re a BCBSOK member, log in to Blue Access for Members for personalized results based on your health plan and network. This find care tool also has a cost estimator to help you find costs for health visits, procedures, surgeries, diagnostics and imaging, vaccinations/immunizations and other services.
Last Updated: June 06, 2023