What is required for a member to receive preventive care without costs in an HMO plan?

For a member to receive preventive care without any costs in a Health Maintenance Organization (HMO) plan, it is essential for the member to choose an in-network provider. HMO plans typically emphasize a network of healthcare providers to manage costs and ensure coordinated care. When members utilize providers who are within this network, they can take advantage of the benefits structured around preventive services at no additional cost, in line with the Affordable Care Act (ACA) mandates.

Choosing an in-network provider guarantees that the services are covered in full by the plan, thereby eliminating any out-of-pocket expenses for preventive care. This approach not only incentivizes members to seek preventive services but also aligns with the HMO's focus on managing healthcare spending and maintaining health through early detection and prevention.