Yes, you do have exceptional coverage. And a very low premium contribution for employees. However...someone somewhere is paying the rest of the premium.

No, in an HMO you do not have Primary Care Physicians. You select a clinic. That is the end of the selections you have.

She does not speak English which limits her options.

You should know you really have exceptional coverage -- that is pretty much unheard of outside of public employees or some very large employers.

Your plan would be just unaffordable for the average employer.