The Open Access Plus (OAP) plan is designed to provide the highest quality healthcare while maintaining the freedom to choose from a wide selection of personal physicians. You have the option to choose a PCP who specializes in one of these areas: family practice, internal medicine, general medicine, or pediatrics. Your PCP or personal physician can be a source for routine care and for guidance if you need to see a specialist or require hospitalization. With this plan, you have the option to go to any medical person and facility. However, when choosing the providers in the OAP network, your benefit coverage will be greater than opting to receive services outside the network.
More information about the OAP plan:
The Open Access Plus In-Network (OAPIN) and health maintenance organization (HMO) plans offer a full range of services provided or authorized by your PCP or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.
More information about HMO plans: