- HMO (Health Maintenance Organization): Requires you to choose a primary care physician (PCP) and get referrals for specialists. It usually has lower premiums but limited provider networks.
- PPO (Preferred Provider Organization): Offers more flexibility—you can see any doctor without referrals, but costs may be higher if you go out of network.
- EPO (Exclusive Provider Organization): Combines aspects of HMOs and PPOs. You don’t need referrals but must stay within the network for coverage.
We can help you determine which network type best suits your healthcare needs and budget.