The Traditional Plan allows you to use any providers of services that you wish. There is no deductible.
Medical benefits cover surgery, outpatient x-rays and lab tests, and doctor's office visits.
You may have a choice of HMOs depending on where you live. HMOs that service your ZIP code area usually provide specific information to you about their plans during open enrollment, or you can call them directly. 4134 for a list of HMOs available. While details on covered expenses, services and fees vary among HMOs, here's a general description of how they work. When you enroll in an HMO, you select a primary care doctor as your general physician to supervise all your medical care.