Metro Detroit HMO plans may be a good fit if:

• You understand this plan only covers care you get from doctors and hospitals in the three-county Metro Detroit HMO network.
• You've reviewed the list of hospitals that accept this plan.
  
• You understand you'll pay the full cost for care you get outside the plan network except in an emergency.
• You like having a primary care physician to coordinate all your care.
• You don't mind having to get a referral to see other doctors in the plan network.
• You don't travel frequently or live for extended periods outside the three-county plan network.