Health Insurance

20 Types of Health Insurance HealthMaintenanceOrganizations (HMOs) For more information on comparing PPOs, HMOs, and EPOs see pages 21-22. Which doctors, hospitals, and other providers can I use? You must use providers in the HMO network. • Usually, you must have a primary care doctor. This doctor provides your basic care and coordinates referrals to specialists. • To enroll in an HMO, you must live in the area the HMO serves. Outside of this area you can only get emergency or urgent care. What are my costs if I have an HMO? Usually you pay a flat co-pay each time you see a doctor or fill a prescription. But you may pay a co-insurance for some services. Co-insurance is a part or percent of the cost, such as 20%. Where can I go if I have a problem? If you have an HMO, contact the California Department of Managed Health Care (DMHC) for assistance. Call the DMHC Help Center at 1-888-466-2219.