1. HMOs covers most types of preventive care and specialist visits; but, specialist visits are only covered when your PCP makes a referral. Also, a small copayment fee for every medical visit. HMOs are usually best fitted for individuals and families that plan to see their primary care physicians on a regular basis. What is not covered, are abortion, contraceptives, acupuncture, and providers or hospitals not associated with Health Alliance, other than Emergency Services, is not covered. I do understand the terms and conditions of the
