How does an HMO work?
Each HMO member selects a Primary Care Physician (PCP) from a directory of participating physicians in the areas of general practice, family practice, internal medicine or pediatrics. The PCP will coordinate all of the member's health care needs. If the PCP can effectively provide care, the PCP will. If the PCP determines a specialist is needed, the PCP will refer the member to a Participating Specialist in the HMO network.