Process of Becoming an HMO Patient

Enrollment Types

  • Employer Insurance: Choose an HMO plan and select a PCP. Coverage begins the 1st of the next month. Self-Employed / Covered California: Select an HMO plan and PCP. Coverage begins the 1st of the next month. Medicare Advantage HMO: Choose a Medicare HMO plan and PCP. Coverage begins the 1st of the next month or January 1.

Changing Your PCP

  • PCP changes always take effect on the 1st of the next month.

    Example: Change requested: January 10 New PCP active: February 1

Insurance Limitations Before the Effective Date

Insurance will not approve or pay for:

  • Visits with the new PCP
  • Specialist referrals
  • Lab work
  • Imaging
  • Surgeries or procedures
  • Durable medical equipment

Your old PCP remains on file until the next month’s cycle.

Why Doctors Cannot Speed Up the Change

Insurance companies—not physicians—control the effective date. Doctors cannot override or accelerate the change.

While You Wait

  • Continue seeing your current PCP
  • Pay cash for a visit with the new PCP
  • Schedule appointments for after the effective date

Frequently Asked Questions – PrimeCare Chino IPA

  1. How do I join PrimeCare Chino IPA?

        You join automatically when you choose a Primary Care Physician (PCP) who is contracted with PrimeCare Chino.

  1. Do I enroll directly with the IPA?

        No. Enrollment happens through your insurance plan.

  1. When does my coverage start?

        Coverage usually begins on the 1st of the next month after you select your PCP.

  1. How do I change my PCP?

        Contact your insurance company and request a PCP change.

  1. When does the PCP change take effect?

        All HMO plans activate PCP changes on the 1st of the next month.

  1. Example of timing?

        If you request a change on January 10, your new PCP becomes active February 1.

  1. Can the new doctor see me before the change is active?

        Yes, but only as a cash-pay patient. Insurance will not cover the visit until the change is effective.

  1. Will insurance approve referrals before the effective date?

        No. Insurance will not approve referrals, labs, imaging, surgeries, or procedures until the new PCP is officially active.

  1. Can the doctor speed up the PCP change?

        No. Insurance companies control the effective date. Physicians cannot override it.

  1. What should I do while waiting?

      You may continue seeing your current PCP or schedule with your new PCP for after the effective date.

      ANY FURTHER QUESTIONS CONTACT YOUR INSURANCE PROVIDER

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