Health maintenance organizations: by choosing an hmo plan, you’ll be paying for your coverage in advance, rather than paying for each health related service separately. for the price of a monthly premium, your hmo will offer you a range of benefits from preventative care to dental or vision coverage. when it comes to your doctors, more often than not they will be employees of your health plan. you will need to choose what’s known as a “primary care giver,” who will be responsible for coordinating your care—your hmo will provide you with a list of providers. the majority of hmo plans require a co-payment for an office visit, a hospital stay, or specialist health service.