Anonymous wrote:I have the C plan. It’s not a HMO. It’s a managed choice PPO. If you get a referral from your primary care doctor you can see almost anyone. If you go to the ER, you pay $50 and then it covers everything including hospital admission. Also covers 100% of maternity care if that’s relevant. You can go directly to specialists with the A plan, but to me it looks like you pay more if something goes wrong with your health.