A health maintenance organisation (HMO) is a US health-plan model involving a network of health providers. HealthCare.gov explains US plan types, including the network restrictions that can apply.
Why this is not an Australian policy guide
The label HMO does not tell an Australian reader what an Australian hospital or extras policy covers. US network rules and US public programs should not be assumed to match Australian arrangements.
Ask about the actual policy
When comparing an Australian policy, obtain its current cover summary and disclosure material. Ask the insurer which treatments, providers, waiting periods, exclusions and out-of-pocket costs apply. Do not infer acceptance or payment from a US plan label.
If you need US cover
Check the US plan’s own rules, service area and provider network using official documents. Eligibility and treatment costs depend on that plan and your circumstances.
For local background, begin with Moneysmart’s Australian insurance information. This page explains a jurisdictional distinction and does not recommend a health policy.