I have PPO Health Plan, pretty close to the HMO. I've never had a problem with waiting to get an appointment, just getting off from work to get an appointment, or trying to schedule an appointment while working 2 jobs.

If all else fails, I go to the ER and it costs me $35.00

I think with HMOs you have to submit an ER visit a little differently, but if she needs medical attention and can't get in with her regular physician, you go to the ER. Or find another physician who also accepts that insurance. Normally there is more than ONE physician who accepts that insurance (unless the company was really cheap and went with some totally unknown insurance company).