“I get excellent care with my HMO,” says Michelle Handrigan, who has a chronic illness. She finds that an HMO health plan works best for her.

“What I like best about my HMO is it’s very easy to use,” says Michelle, a Blue Cross and Blue Shield member for 12 years.

With an HMO, care is personalized to you. Your primary care doctor coordinates your treatment and refers you to the specialists you need.

“My experience with getting referrals with my HMO has been extremely easy,” said Michelle. “I can have that referral that day … And I just have to make an appointment and go.”

Michelle’s family had Blue Cross and Blue Shield coverage when she was a child. Now, as an adult, she says, “Blue Cross and Blue Shield just makes me feel safe.”

Do You Have a Story to Tell?*

Member Voice features real-life, unscripted experiences. Members are not compensated for their participation. Share your story with Blue Cross and Blue Shield and you could be featured in a Member Voice video like Michelle. Write to us. Along with your story, include your name, phone number and email address. We’re looking for stories about any part of your experience with us, from customer services and sales to online, claims or care management.

*The video above is the non-paid testimonial of a Blue Cross and Blue Shield of XXXX member. Not all products and services mentioned are available for all Plans. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage. Blue Cross and Blue Shield of XXXX is a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.