Health Maintenance Organizations (HMO)

Plans contract with specific doctors, Independent Practice Associations (IPAs) which are also known as "medical groups", labs, pharmacies & hospitals to provide members a defined set of comprehensive benefits, including preventive care.

As an HMO member you select a Primary Care Physician (PCP) from the list of doctors in the HMO’s network. Your PCP will be the first medical provider you see for your medical care. Your PCP is the “Gatekeeper” for referrals to specialists. The sole exception to this is that females may self-refer to any GYN they choose.

You can change your PCP as often as you like effective the following first of the month