An HMO plan provides the most cost-effective coverage by contracting with providers to form physician networks. Under the HMO arrangement, you are required to use in-network providers and pay modest copayments when receiving care. This arrangement minimizes out-of-pocket expenses. It is important to remember that any medical services provided by a non-network physician will not be covered.

Coverage is summarized below, but for
more detailed information on plan
coverages please refer to the HMO
Summary of Benefits.