Hi Starlightbright61,

I'm surprised you never heard of an HMO, it stands for Health Maintainance Organization, its a type of insurance policy where you can only go to certain doctors on your network and need referrels for any specialists from your primary or "gatekeeper" doctor. If your gatekeeper doctor decides you don't need a MRI or a specialist, well then you're SOL, another acronym I won't get into.