Which of the following is typically not covered by an HMO?

Health Maintenance Organizations (HMOs) typically have a structured set of benefits that encourage preventive care and focus on wellness. Most preventive health services, routine check-ups, and hospitalizations due to serious illness are usually covered under HMO plans, as these services align with their goal of maintaining members' health and managing costs through a network of providers.

However, emergency services outside the network often fall outside of what HMOs will cover. HMOs usually require members to seek care from a specific network of providers and may only cover emergency services if they occur within that network, or only under certain circumstances even if outside the network. This makes coverage for emergency services outside of their designated facilities less likely, requiring members to be mindful of the providers they use in emergency situations to avoid significant out-of-pocket expenses.