It's a real problem because HMOs do not deal with chronic pain — they want to just deal with crises. 1990 February 4, Margy Dowzer, Mary Frances Platt, Aviva Shmuckler, “Disability And Accessibility Cost Money!”, in Gay Community News, volume 17, number 29, page 13:
By the mid-1990s, seven states required HMOs to pay for bone marrow transplantation. 2010, Siddhartha Mukherjee, The Emperor of All Maladies, Fourth Estate (2011), page 325:
(UK, abbreviation, alt-of, initialism) Initialism of home/house in/of multiple occupation/occupancy: a rented house typically let as individual rooms, often to students or migrant workers.