PP here, Healthy SF is NOT insurance but health COVERAGE. I can only get stuff done in SF, have a medical home and a hospital assigned to me (and a specific location I need to go to fill prescriptions). That said, all doctor visits are covered, I can go see specialists when my doctor recommends me to with a referral, I don't have to pay for prescriptions if covered by the program, I get emergency care taken care of and ambulance for life threatening cases.