https://hfinsurances.com/types-of-health-insurance/

You can obtain healthcare services from a network of approved providers by using an HMO. Generally speaking, out-of-network care is not covered unless it is an emergency. It is a types of health insurance.

You might need to reside or work within the HMO’s service region to be eligible for coverage. Usually, you’ll need to select a primary care physician (PCP), and referrals can be required to visit a specialist.