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OPM.gov / Frequently Asked Questions / Insure FAQ / Health

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Health

Questions and answers

Most health maintenance organizations (HMO) restrict enrollment to an area where its doctors and hospitals are accessible. Although some HMOs do not have restrictions on where you live or work, please recognize that if you later find it is inconvenient to get to a plan provider, you may have to wait until the next Open Season to change plans.

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Health

Questions and answers

I want to change my FEHB enrollment to an HMO but I don't live or work in the Plan's area as required by that particular plan's brochure. Why can't I enroll in it?