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HMO? PPO? POS? EPO? I don’t know!

Soooooo many health insurance plan acronyms: HMO, POS, PPO, EPO, HDHP w/ HSA!

Yes, there are a lot of different health insurance plan types out there, and it can be confusing to know what they all mean. We’re here to help so, here’s a quick rundown of some of the most common types of plans:

HMO (Health Maintenance Organization)

An HMO plan typically requires you to use in-network providers, and may have more restrictions on coverage than other types of plans. However, they tend to have lower premiums and deductibles.

POS (Point of Service)

A POS plan is a bit like an HMO, in that you’ll usually need to use in-network providers. However, POS plans also allow you to see out-of-network providers, though you may pay more for doing so.

PPO (Preferred Provider Organization)

With a PPO plan, you can see in-network or out-of-network providers, but you’ll typically pay more for out-of-network care. PPO plans also usually have higher premiums and deductibles than HMOs or POS plans.

EPO (Exclusive Provider Organization)

An EPO plan is similar to a PPO, except that you can only see in-network providers.

HDHP with HSA (High Deductible Health Plan with Health Savings Account)

This type of plan has a higher deductible than other plans, but also comes with a health savings account that can be used to pay for qualified medical expenses.

If you’re feeling overwhelmed by all of the different options, don’t worry! We’re here to help. Give us a call and we can walk you through the process of choosing the right plan for your needs. With our help, you’ll be able to find a plan that gives you peace of mind and fits into your budget.