"It's all about preference. Each type of insurance has its own benefits. It is better to stick with the one that meets your needs the most. Also, make sure to pick that one that you can afford."
I live in California, and have done extensive research on this - Sates differ greatly though.
My answer to Health net HMO in So Cal is, yes it does, stating on my contract "when deemed medically...
Health Maintenance Organization (also called an HMO) is one of three managed care health insurance systems in the United States. An HMO is designed to offer financial support and medical treatment to...