What is the primary payment model used by Health Maintenance Organizations for most services?

The primary payment model used by Health Maintenance Organizations (HMOs) for most services is capitation. In a capitation model, healthcare providers receive a predetermined payment per patient, typically on a monthly basis, regardless of how many services the patient uses during that time. This model encourages efficiency and preventive care, as providers are incentivized to keep their patients healthy to limit the need for more costly procedures.

Capitation is particularly aligned with the goals of HMOs, which focus on delivering coordinated care and managing overall healthcare costs. By paying a fixed amount, HMOs streamline administrative processes and promote a range of services to maintain the health of their members.

Other payment models, like fee-for-service, are more traditional and reward providers for each individual service rendered, which can lead to higher costs and unnecessary treatments. Salary-based payment structures may apply to some providers and settings but are not the primary model for HMOs. Out-of-pocket payments relate to patient costs directly rather than representing a payment model utilized by organizations like HMOs. Thus, capitation stands out as the most fitting model for HMOs.