Preferred Provider Option (PPO) Plans – encourages participants to utilize in-network providers by offering them a higher level of benefits.
Point of Service (POS) Plans – requires participants to select an in-network personal care physician. Like PPOs, in-network care is covered at higher benefit levels than out-of-network care.
Exclusive Provider Options (EPO) Plans – similar to POS plans, EPOs offer lower out-of-network benefits.
Health Maintenance Organizations (HMOs) emphasize preventive care and require participants to select a primary care physician from the list provided by the HMO. That physician coordinates all of the member’s medical care and refers them to specialists, when needed. Members who go outside the HMO plan for medical care (without prior approval) will pay all or most of the cost of that care from their own pocket.
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