This is where the generalization ends because specific HMOs and PPOs also have different provisions. Regardless of what health insurance policies they choose, though, people should be very particular as regards their access to emergency care, urgent care, and hospital admissions. If, say, receiving treatment from a trusted Downtown Sacramento walk-in clinic will require them to go through mountains of paperwork and still face copayments in the end, they would do well to find better insurance policies.
http://ushealthworkssacramentomail.wordpress.com/2014/03/17/downtown-sacramento-urgent-care-providers-wish-that-youre-insured/
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