What does an HMO require from its members regarding providers?

The correct answer is that members of an HMO (Health Maintenance Organization) must receive care only from in-network providers. This is a fundamental aspect of how HMOs operate. They emphasize a coordinated care model that is focused on managing health care costs and ensuring quality by establishing a network of doctors, hospitals, and other healthcare providers.

When members choose an HMO plan, they agree to utilize services primarily within this network. This model often requires members to designate a Primary Care Provider (PCP) who acts as a gatekeeper for referrals to specialists within the network. The emphasis on in-network care helps HMOs negotiate lower rates and control the overall cost of healthcare, which can ultimately lead to savings for both the organization and its members.

In contrast, other options suggest broader access to healthcare services, which is not characteristic of HMO structures. Choices that involve the freedom to choose any provider or access out-of-network services without penalty do not reflect the limitations imposed by HMO membership. Additionally, being required to have a PCP is a common feature of HMOs, rather than an exemption. Therefore, the requirement for members to use in-network providers is central to the HMO model.