Individual
WE CONSULT WITH YOU TO DETERMINE THE BEST PLAN FOR YOUR NEEDS.
OBTAIN A QUOTE BELOW, OR CONTACT US DIRECTLY FOR ASSISTANCE!
HMO PLANS (HEALTH MAINTENANCE ORGANIZATION)
- Single tier, benefits provided at selected site
- Lowest out of pocket costs for members
- Must select a primary care physician and stay within the selected facility unless referred out or and emergency
- The primary care physician directs all the care and refers the member when necessary
- There are geographic limitations for enrollment, normally 30 miles from the provider (possible live/work rule may apply depending on carrier)
- Most plans have small co-pays for services
PPO PLANS (PREFERRED PROVIDER ORGANIZATION)
- Two tiered plan, member may use PPO provider or go out of network to any provider
- Highest claim benefits when staying in network
- When going out of the network, member will incur higher out of pocket costs
- Check to see if your doctor is part of the network before signing up
- May have deductibles and co-pays within the plan
EPO PLANS (EXCLUSIVE PROVIDER ORGANIZATION)
- Typically you can select any participating doctor when services are needed
- No referral required for specialist care
- Service areas may be limited by geographic location of the EPO network.
POS PLANS (POINT OF SERVICE)
- May be a two or a three tiered plan allowing the maximum freedom of choice
- May be a two or a three tiered plan allowing the maximum freedom of choice
- HMO, PPO and sometimes Indemnity level benefits are available under one plan
- Out of pocket costs vary depending on Point of Service
- Member has total freedom to select any provider when services are needed