Not every doctor accepts every health insurance and there is not a health insurance company that works with every doctor. Depending on whether your individual family plan is a PPO or a HMO, if you have a PPO you should use a doctor or facility that is in the PPO provider network. If you have an HMO, a primary physician will be chosen for you and a referral will be necessary to see a specialist. Most consumers prefer the flexibility that PPOs have to offer and HMO’s are generally most costly.