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What is the difference between an HMO, PPO, and EPO?

    • 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.