Health Insurance Resource 

Learn about health insurance plan types and look up doctors and providers to see if they’re in your network.

There are Five Different Types of Health Insurance Plans. Here's how each one works.

HMO

With a Health Maintenance Organization (HMO) plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. All your care is coordinated through that PCP. HMO plans require referrals and have no out-of-network coverage.

  • Referrals Required

  • No Out-of-Network Coverage

  • May or May not have a Deductible

EPO

An Exclusive Provider Organization (EPO) plan combines the flexibility of PPO plans with the cost-savings of HMO plans. You won't need to choose a primary care physician, and you don't need referrals to see a specialist. EPO plans do not require referrals and have no out-of-network coverage. 

  • No Referrals Required

  • No Out-of-Network Coverage

  • May or May not have a Deductible

PPO

Preferred Provider Organization (PPO) plans give you flexibility. You don’t need a primary care physician. You can go to any healthcare professional you want without a referral—inside or outside your network.  PPO plans do not require referrals and have out-of-network coverage. 

  • No Referrals Required

  • Out-of-Network Coverage

  • May or May not have a Deductible

A Point Of Service (POS) plan is a managed care health insurance plan in the United States. It combines the characteristics of the health maintenance organization (HMO) and the preferred provider organization (PPO). The POS is based on a managed care foundation—lower medical costs in exchange for more limited choice. POS plans do not require referrals and have out-of-network coverage. 

  • No Referrals Required

  • Out-of-Network Coverage

  • May or May not have a Deductible

POS

A High Deductible Health Plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional one. Being covered by an HDHP is also required for a health savings account. HDHP plans do not require referrals and usually have out-of-network coverage. 

  • No Referrals Required

  • Out-of-Network Coverage

  • Has a Deductible

HDHP

 

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