Florida 2-15 Insurance License Practice Exam 2025 – Comprehensive All-in-One Guide to Master Your License Test!

A Health Maintenance Organization (HMO) policy typically requires a primary care physician's referral to see specialists. This structure is designed to provide coordinated care and manage health expenses effectively. When enrolled in an HMO, members select a primary care physician (PCP) who becomes their main point of contact for health concerns. The PCP is responsible for managing the patient’s overall care, which includes providing referrals to specialists when specialized treatment is necessary.

This referral requirement helps maintain a centralized approach to healthcare, ensuring that all aspects of a member's health are overseen by the PCP. This model not only facilitates continuity of care but also assists in controlling costs associated with unnecessary or duplicative services. In contrast, other types of health insurance plans, such as indemnity plans or PPOs, offer more flexibility in choosing healthcare providers and usually do not mandate referrals from a primary care physician.