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### HMO Provisions - May require preauthorization for an encounter. - May require precertification for a procedure or hospitalization. - Network primary care physician (PCP) chosen - "The Gatekeeper". - Referral required from PCP to see specialist.

### HMO Provisions - May require preauthorization for an encounter. - May require precertification for a procedure or hospitalization. - Network primary care physician (PCP) chosen - "The Gatekeeper". - Referral required from PCP to see specialist.

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