HEALTH INSURANCE PRODUCTS

DID YOU KNOW...

There are a variety of health insurance products to choose from

Health maintenance organizations (HMOs)

HMOs give you a local network of participating doctors, hospitals, and other health care professionals and facilities that you are required to choose from.

Exclusive provider organizations (EPOs)

An EPO offers you a network of participating providers to choose from. Most EPO plans do not include coverage for out-of-network care except in the case of an emergency.

Point-of-service (POS) plans

Point of service plans combine features of HMO and PPO plans. The provider network is typically smaller than a PPO plan and the costs for in-network care are typically lower, like an HMO.

Preferred provider organizations (PPOs)

PPOs typically offer you a large network of participating providers so you have a lot of doctors, hospitals, and other health care professionals and facilities to choose from


What types of health insurance are best for me?

If you’re in good health and don’t visit a doctor often, health insurance plans with higher deductibles typically have lower insurance premiums and could help save you money

If you require or expect more than just preventive care, consider plans that have lower deductibles and coinsurance, for more predictable costs


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