There are two kinds of health insurance plans, health maintenance organizations (HMO) and preferred provider organization (PPO). With an HMO plan, your primary care provider (PCP) coordinates your medical services. Often, your PCP will need to make a referral for you to see a specialist or for you to have any kinds of medical testing. If you choose to see a provider outside the HMO network, you will be responsible for the entire cost of the medical care. Usually, an HMO doesn’t have a deductible and premiums are lower. Kaiser offers a variety of HMO plans that are...