What is the primary function of a Health Maintenance Organization (HMO)?

The primary function of a Health Maintenance Organization (HMO) is to provide a wide range of health services through a network of providers. HMOs are designed to deliver comprehensive healthcare services to members, focusing on preventive care and wellness. This model encourages members to use designated healthcare providers and facilities within the HMO's network, which helps to control costs and improve the quality of care by coordinating services.

HMO members typically have lower out-of-pocket costs when they seek care within the network, promoting regular check-ups and preventive services rather than just treating illnesses as they arise. This coordinated approach leads to better management of healthcare resources and overall health outcomes for the members.

In contrast, options that refer to offering only emergency services, managing patient records, or providing direct cash payments for treatments do not align with the HMO model. HMOs focus on a comprehensive approach rather than solely on acute services, administrative tasks, or reimbursement structures that are characteristic of other types of health plans.