Based on your selection, a HMO plan might be best for you. HMO plans require that the member select a Primary Care Physician (PCP) who will guide their health journey. Each service has a copay so that you will know the cost of each service at the time of treatment. This frees members from having to deal with insurance processes. The out-of-pocket maximum for each HMO plan varies. Additional details can be found in the Employee Benefits Options Guide.