Health Maintenance Organization (HMO
HMO plans require members to choose a primary care physician and obtain referrals for specialist visits. They often have lower out-of-pocket costs but less flexibility in choosing healthcare providers.
Preferred Provider Organization (PPO)
PPO plans offer more flexibility in choosing healthcare providers and do not require referrals for specialist visits. However, they typically have higher premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO)
EPO plans combine features of HMO and PPO plans, offering a network of preferred providers but without the need for referrals.
Point of Service (POS)
POS plans allow members to choose between in-network and out-of-network providers. They typically require referrals for specialist visits but offer greater flexibility.
