Dealing with health insurance plans can be very confusing. The information below is provided to help explain some of the basics of public and private benefits.

Private Health Coverage

Health Maintenance Organization (HMO) Plans

Health maintenance organization (HMO) plans usually contract with a specific list or panel of doctors from which you must choose. As a member of an HMO, you will have a primary care physician who is responsible for your care. If you wish to receive care from a specialist, you must get a referral from your primary care physician. As long as you see doctors within the HMO network, you will only be required to pay a small co-payment per visit. The co-payment generally ranges from $5 to $25. Most other charges are covered by the plan. There are no deductibles or claims forms as long as the care is received within the plan.