Which statement is true regarding enrollment in HMO plans?

Choosing a primary care provider is a fundamental aspect of Health Maintenance Organization (HMO) plans. This requirement is designed to ensure coordinated care for members. The primary care provider serves as the first point of contact for medical services and oversees the patient's overall healthcare, including referrals to specialists when necessary. This structure helps manage services more efficiently and enhance the quality of care received by members.

Enrollment in HMO plans is not open year-round; there are specific enrollment periods when members can sign up. Additionally, members usually need prior approval to see specialists, as this follows the coordinated care model typical of HMOs. Finally, HMOs tend to have lower premiums compared to other types of plans, making the choice to require a primary care provider essential in balancing cost and care quality.