Which statement is true about the subscribers in an HMO?

In a Health Maintenance Organization (HMO), subscribers are required to receive all of their healthcare services through the HMO provider network. This structure is designed to keep costs lower and provide coordinated care among providers. By using the providers within the HMO, patients benefit from a streamlined care process and are typically not responsible for deductibles or additional costs that may arise from using out-of-network services.

While it might seem appealing to have unlimited access to any healthcare provider, such access is not a characteristic of an HMO. Additionally, medications usually require prior approval, especially if they are not on the HMO's formulary. The concept of not being subject to deductibles is also somewhat misleading since some HMOs may have co-pays or other out-of-pocket costs associated with certain services. Overall, the structure of an HMO emphasizes coordinated care within its network, which is encapsulated in the requirement for subscribers to utilize in-network services for their healthcare needs.