Can HMO members go out of network?

HMO (Health Maintenance Organization) members typically have limited options for out-of-network care. Generally, they are required to use a network of doctors and facilities to receive coverage for services, except in emergencies. If HMO members choose to seek care outside the network, they usually have to pay the full cost out of pocket. It's essential for HMO members to understand their plan's specific rules regarding out-of-network services.