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• Ambulance Services

  Find out if your benefits cover air and ground ambulance services across the state or while you travel on the Mainland.

• Your Health Plan Benefits Outside the U.S.

  HMSA members, except those covered by The HMSA Children's Plan, have benefits for medical services outside the U.S. through the BlueCard Worldwide network.

• Guest Membership on the Mainland for HMO Members

  If you're an HMSA HMO member living away from Hawaii for more than 90 days, you may have access to participating Blue Cross and Blue Shield providers through the Guest Membership program.

• Breast Feeding Support and Counseling

  Health care reform now includes breastfeeding counseling for new mothers and reimbursement for a breast pump.

• Calculating Your PPO Plan Coinsurance

  Learn how HMSA calculates your coinsurance for covered services with participating and nonparticipating providers.

• Payment Determination Criteria

  HMSA applies payment determination criteria to determine if a service or supply is covered by your plan.

• Emergency and Urgent Care Outside Hawaii

  Find out what you should do if you need emergency or urgent care when you travel outside Hawaii.

• How to Make the Most of Your Health Insurance

  Get the most bang for your health care buck by choosing the right plan and managing it the right way.

• What Are Generic Drugs and When Does a Drug Become Generic?

  Generic drug versions may be introduced after the patent for the brand-name drug expires, which is usually 20 years.

• What's a Report to Member?

  The Report to Member is an explanation of benefits. It is not a bill for services or supplies.

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