Using your HMO Option
When you need preventive care, such as routine checkups and immunizations, or non-emergency care, such as when you're sick, you should call your primary care physician for care. When you use your HMO option by seeing your primary care physician, you'll pay the lowest out-of-pocket cost.

Using Your PPO Option
When you use your PPO option for physician office visits that don't involve emergency care, you may be responsible for a deductible in addition to a copayment or copayment percentage. To learn which services are covered under your POS plan, view your medical benefits.