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• When Does my HMSA Coverage Begin?

  Your coverage can begin if your initial premiums are paid, we accept your enrollment, and you're not in the hospital.

• When Does a Drug Become Generic?

  Generic drug versions may be introduced after the patent for the brand-name drug expires, which is usually 20 years.

• What You Get With Your Plan

  Your health insurance may cover more than you realize. Find out how it can help you stay healthy and well.

• How to Make the Most of Your Health Insurance

  Get the most bang for your health care buck by choosing the right plan and managing it the right way.

• About Your Confidential Member Information

  Learn about what your confidential information is and how it’s used at HMSA.

• Plan Certificates Describe Additional Coverage

  Plan certificates contain benefit information for your plan rider or add-on plans to your medical and dental coverage.

• Your Health Center

  As an HMO member, you'll need to choose a health center and primary care provider to coordinate your care.

• Why Your Cost may be More when You See a Nonparticipating Provider

  Learn why you're charged more when you see a nonparticipating provider instead of a participating one.

• What Are Generic Drugs and When Does a Drug Become Generic?

  Generic drug versions may be introduced after the patent for the brand-name drug expires, which is usually 20 years.

• When You Don't Recognize a Provider on Your Report to Member

  Don't worry if you see a name you don't recognize on your report to member. The provider may have asked for laboratory, diagnostic, anesthesia, or other service with no direct contact with you.

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