One other thing, I would strongly advise you to use a PPO instead of an HMO. They are at least an order of magnitude less restrictive.
Kaiser, the best health insurance plan, is an HMO, so I'd not suggest any such rule.
Note that "less restrictive" almost inevitably means "more expensive." TANSTAAFL.
*Some* HMOs are, apparently, pretty bad. I'd be very careful about any HMO, you don't have to be as careful with a PPO *if* there are many doctors signed up.
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