- 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.