What if I have an HMO?

If you have an HMO, you Must use providers on your insurance panel if you want the insurance to pay anything for your care. If you use any provider that is not on their list, you will not receive any reimbursement from the insurance company. If you wish to go to a specialist, or have blood work done, you must see your primary care doctor for referrals to specialists or  for orders for any kind of tests, like blood tests or imaging.

To understand more about how your insurance works and your rights, see California Mental Health Resources.