HMOs are organized to hold down both costs and insurance premiums. Associated Family Physicians agrees to monitor costs, but we serve our patients, not insurance companies.

HMOs used by our practice, contracted through Hill Physicians Group

• Healthnet
• Blue Shield
• Pacific Care
• Blue Cross/California Care
• Cigna
• United Health
• Western Health Advantage

Preferred Provider Organizations (PPOs)

PPOs are insurance plans which contract with doctors and hospitals. Patients usually have the option to seek physicians outside the plans, in contrast to HMOs, but usually have to pay more if they see non-participating physicians.

Beechstreet CCN PHCS First Health PPO Next Blue Cross Blue Shield

Labors H & W Mail Handlers Core Source One Health Union Labor Life

Interplan UFCW Humana Oper. Engineers Wausau

No. CA Bakery/ Sheet Metal Delta APWU GEHA Aetna

Medicare is currently encouraging seniors to enroll in HMOs. These usually provide more services than plain Medicare, with minimal or no insurance premiums from the patient. We see Senior Plan patients through Hill Physicians.

• Secure Horizons
• HealthNet