Perhaps rare in the general population, but the entire military is functionally an HMO (as are the dependents, unless specifically opted into the PPO option, wh

Perhaps rare in the general population, but the entire military is functionally an HMO (as are the dependents, unless specifically opted into the PPO option, which is rare). I just swapped to the PPO version after retiring because the cost isn't any different, and I'm no longer in the area of the easy HMO's for them (Military Treatment Facilities). I guess I can't fathom not having a PCP. As far as finding a Primary, what is your actual method for finding a good one if not by people who have experience with them?