Carencia does not accept HMO policies policies at this time. HMO policies require a prior-authorization from your primary care provider be sent to your plan to approve each visit. PPO ptolicies allow you to seek care with any in-network provider without a prior authorization. You can usually tell whether you have an HMO or PPO policy by looking on the front of your insurance card. Cards that state PPO, POS, or Choice Plus are usually PPO’s. Cards that state HMO or have a small empty briefcase in the bottom right corner of the front of the card are usually HMO plans.