Soon I will be moving to Cape Cod MA. As a result, I need to change HMO’s. I’ve done some research on them and so far the Tuft’s HMO looks like the best. But I am concerned by what they call “referral circles.” From what I can gather, this means that your PCP can only send you to the specialists in that PCP’s referral circle. To me this seems like it could be very limiting, but maybe it isn’t in practice. Is anyone familiar with Tufts health ins.? Does anyone know of a better HMO for the Cape Cod area (which from what I can tell includes Boston)? Also, I get medicare. Some the HMO I am looking for would be a Medicare Advantage HMO.