Which HMO model features a centralized facility and lower co-payment costs?

The HMO Staff Model is characterized by its structure where the health maintenance organization owns and operates the facilities, employing the healthcare providers directly. This model allows for a centralized approach to care, often leading to integrated healthcare services being offered within one facility.

Patients in this model typically experience lower out-of-pocket costs, such as co-payments, compared to other health plan structures. This is because the HMO assumes the financial risk and controls costs through its own staff and facilities, thus streamlining patient care processes and reducing administrative expenses.

Other models mentioned have distinct features that do not emphasize the same level of centralized care or cost-sharing arrangements. For instance, the HMO-POS model allows for more flexibility in provider choice, which may result in higher co-payments. Similarly, a capitated payment model refers to a payment structure rather than a specific organizational model, and the traditional insurance model generally features much less integration and potentially higher out-of-pocket expenses compared to HMOs.