If you have an Health Maintenance Organization (HMO) Plan, you can only see doctors that are in the plan’s network. To find out which doctors are in the network, you can call and ask your insurance provider, look it up online or call the doctor you want and ask them if they are in the HMO network. If you want to see a specialist (a doctor for a specific problem like your back), you will need to be referred by your primary doctor. You will not be able to go to a specialist directly.
Although HMOs are more restrictive than other health insurance plans, they are typically suitable for us millennials. Since we’re young and (mostly) healthy, we can benefit from HMOs low premiums and co-payments as well as the lack of deductibles.