Which statement about preventive care in HMO plans is typical?

• A. Preventive care is included
• B. Preventive care is never covered
• C. Preventive care requires a separate rider
• D. Preventive care is available only for seniors

Answer: (A)

Preventive care is included in typical HMO plans because these plans emphasize keeping members healthy and controlling overall costs. When you use in-network providers for routine preventive services—such as annual physicals, immunizations, and screenings—you usually pay no deductible, copayment, or coinsurance. This built-in coverage encourages preventive visits and early detection, reducing the likelihood of more expensive problems later. It’s not correct that preventive care is never covered, requires a separate rider, or is limited to seniors—the usual HMO approach includes preventive services with little or no out-of-pocket cost.