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HMOCAP Protecting and Assisting HMO Subscribers The Florida Health Maintenance Organization Consumer Assistance Plan HMOCAP was created by Florida statute to protect persons enrolled for coverage with HMOs subject to certain limitations against the failure of their HMO to perform its contractual obligations due to its insolvency. The HMOCAP only provides protection for commercial HMO members those who have group coverage generally through their employer or persons who purchase individual coverage directly through the HMO. Persons who are enrolled with an HMO for Medicaid or Medicare coverage are not covered by the HMOCAP. Learn more about the HMOCAP .