What must every HMO subscriber receive as part of their benefits package?

Every HMO (Health Maintenance Organization) subscriber is required to receive a member's handbook as part of their benefits package. This handbook is essential for informing subscribers about the scope of their coverage, the types of services available, the network of providers, and the procedures they must follow to access care. It typically includes information about the rights and responsibilities of members, how to file claims, and what to do in the event of an emergency.

The member's handbook serves as a crucial resource to help subscribers understand their health benefits and ensure they utilize the services correctly and efficiently. This documentation is designed to empower members with the knowledge they need to navigate their healthcare options effectively.

Other choices, while potentially useful, do not reflect the mandatory requirement that every subscriber must receive. An insurance policy may outline the legal terms of the coverage but is not specific to HMO benefits. A referral list could be helpful in accessing specialists within the network but is not a universal requirement. A free trial membership is not a standard component of HMO offerings and would not be part of the regular benefits package provided to subscribers.