Most insurance companies offer 3 types of coverage plan products, which define what doctors and hospitals you can visit and how you access certain health services.
- HMOs (health maintenance organizations) only cover visits to doctors and hospitals inside the plan’s network. HMO’s often require members to get a referral from their primary care doctor to see a specialist.
- PPOs (preferred provider organizations) pay for visits to doctors both inside and outside the plan’s network, but members pay a higher amount of the cost for out-of-network care.
- EPOs (exclusive provider organizations) generally don’t cover care outside the plan’s network, but members may not need a referral to see an in-network specialist.
Be careful when choosing your plan, as not all HMOs,PPOs and EPOs are the same. Be sure to get all information about what doctors and hospitals are covered, and what it will cost you to see a doctor out of the network.
Our specialists will help you choose the best coverage plan.