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Help me Choose a Plan

HMO, PPO, POS, and EPO, all these abbreviations can make Health Insurance confusing. Answer a few questions using the drop downs to see which type of plan might work best for you.

I prioritize . I prefer let a primary doctor manage my specialty care and I coverage for out of network care.

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Okay, from your responses we think an EPO plan would be the best match for you. You should also consider POS and HMO plans because they come pretty close to what you're looking for.

Based on your responses, we also recommend:

EPO

Exclusive Provider Organization (EPO)

Great for people who are conscious of their budget as they often offer lower premiums and cost sharing than PPOs. However, there’s no coverage for out of network care.

Primary Care Physician Required: No
Referral required for specialists: No
Out of network care: No
Pre-authorization needed for expensive services: Yes

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POS

Point of Service (POS)

POS plans are similar to HMO plans but offer the increased flexibility of providing coverage for care costs outside of the network.

Primary Care Physician Required: Yes
Referral required for specialists: Yes
Out of network care: Yes but more expensive than in network.
Pre-authorization needed for expensive services: No

Learn more »

HMO

Health Maintenance Organization (HMO)

Great choice for people who want to keep their premiums low, especially if you’re happy to see your PCP first when you need more specialized care.

Primary Care Physician Required: Yes
Referral required for specialists: Yes
Out of network care: No
Pre-authorization needed for expensive services: No

Learn more »

PPO

Preferred Provider Organization (PPO)

Perfect for people who prioritize choice and flexibility. Premiums are higher than other plan types but you’ll have coverage for more care providers.

Primary Care Physician Required: No
Referral required for specialists: No
Out of network care: Yes but more expensive than in network.
Pre-authorization needed for expensive services: Yes

Learn more »

*Plan terms can vary, check the summary of benefits provided by your potential health insurance provider.
Not all plan types will be available in your area. This information is intended as a guide only, we recommend you research all plans available in your location to find a plan that best suits your needs.

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