Open Enrollment is November 2nd – 13th, 2026
Questions? Starting November 1st, you can call (888) 274-7850, 8:00 a.m. to 7:00 p.m.,
Monday through Friday. Let them know you’re a PACE employee.
HMO basics
How HMOs work
When enrolled in an HMO plan, you can choose your doctor from thousands of highly qualified primary care physicians (PCPs). Chances are, your current doctor and hospital are already part of an established network of providers. Search our tool to check.
As an HMO member you’ll choose a PCP. Your PCP may recommend specialty services from a certain specialist or facility, but you can choose to receive the care you need from any contracted specialist without a referral.
With your HMO plan, you can change your PCP when you want to. Everyone on your plan can select the PCP of their choice.
Referrals
HAP doesn’t require you to get a referral to see a specialist in your network for an initial consultation. However, the specialist you visit may require a referral from your primary care physician. The schedules for certain specialists get filled months in advance. They may only accept patients whose primary care physician believes the patient needs specialty care.
Student Away at School resources
Students living away from home can still access healthcare services while attending school.
Depending on your plan, resources are available to help students:
- Find participating providers
- Receive urgent or emergency care
- Access virtual care services
- Understand coverage while away from home
Additional resources and support are available to help students make informed healthcare decisions while attending school.