When you use your HMO option
You may go directly to any OB/GYN in your primary care physician's medical group or Independent Practice Association (IPA) without a referral.
Annual gynecological exams are covered as preventive care under your HMO option.
When you use your PPO option
Other OB/GYN services you receive without referral from your primary care physician or outside of your HMO Medical Group are covered under your PPO option, similar to other non-preventive, non-emergency physician office visits.