Using your plan

Whether your employer offers an HMO, PPO or EPO, you’ll get world class care through a network of leading doctors and hospitals.

What is an HMO?

HMO stands for health maintenance organization. All of your care is coordinated through a primary care physician (PCP) whom you can select. Your PCP will provide your covered preventive care, keep your medical history and help you choose a specialist when you need one. While you can refer yourself to some in-network specialists, such as an allergist or a dermatologist, you will need a referral from your PCP in order to get specialty care. You are covered worldwide for emergency and urgent care.

Where can I seek care with an HMO?

In addition to worldwide Emergency Room and Urgent Care coverage, you can seek care in any of the following counties: