Health Maintenance Organization (HMO) benefits mirror Point of Service in-network benefits. When a member needs care, they choose a doctor, health care expert or hospital from within the QualChoice statewide network.  

  • Members choose in-network doctors or health care experts. No out-of-network benefits.
  • No referral needed to see a specialist in the network.
  • Emergency coverage when traveling outside the state.
  • State law requires employers offering a less costly HMO plan to also offer a POS plan.

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