Blue Cross® Select HMO plans combine two great features in one plan. You get the savings of a local network and primary care physicians who'll conveniently guide your care. You'll choose a primary care physician from the Select network. Your primary care physician can refer you to over 16,000 doctors and 141 hospitals in Michigan, Michigan's largest HMO network. Except for emergencies or accidental injuries, you aren't covered out-of-network.