Differences Between Plan Types

If you're confused about the alphabet soup of health insurance plans, here's what you need to know. There are many choices for health insurance from HMO, PPO, POS, & more. Here's the breakdown:

All services are through a contracted network of healthcare providers and facilities.

You see whatever in-network physician or healthcare provider you wish without first requiring a referral from a primary care physician.

Combine the flexibility of PPO plans with the cost-savings of HMO plans and you don't need referrals for specialists.

You have more freedom to choose your doctor.

Is a health insurance plan with lower monthly premiums and higher deductibles than a traditional health plan. A high-deductible plan may also be linked to health savings accounts (HSAs) which can help to offset costs with pre-tax dollars.