TYPES OF HEALTH PLANS
PPO Plans
Preferred Provider Organizations offer the greatest flexibility, letting you see both in-network and out-of-network providers without a referral. PPOs are ideal if you want more choice in where you receive care and are comfortable with slightly higher premiums for that flexibility.
HMO Plans
Health Maintenance Organizations focus on integrated, in-network care with a primary doctor coordinating your treatment. HMOs are a strong fit if you prefer predictable costs and don’t mind choosing from a set network of providers.
EPO Plans
Exclusive Provider Organizations combine lower monthly costs with a focused network of doctors and hospitals. You’ll get strong coverage when you stay in-network, making EPOs a smart fit if you’re comfortable choosing from a set group of providers.