Professional Employer Organization (PEO) Broker

Health Insurance resource 

Learn about Health Insurance plans and lookup Doctors. 

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There are Five Different Types of Health Insurance Plans. here's how each one works.


HEALTH MAINTENANCE
ORGANIZATION (HMO)

With an HMO plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. All your care is coordinated through that PCP. HMO plans require referrals and have no out of network coverage.

  • Referrals Required 
  • No Out-of-Network Coverage
  • May or May not have a Deductible

EXCLUSIVE PROVIDER ORGANIZATION (EPO)

An EPO plan combines the flexibility of PPO plans with the cost-savings of HMO plans. You won't need to choose a primary care physician, and you don't need referrals to see a specialist. EPO plans do not require referrals and have no out of network coverage. 

  • No Referrals Required 
  • No Out-of-Network Coverage
  • May or May not have a Deductible

PREFERRED PROVIDER ORGANIZATION (PPO)

A PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral—inside or outside of your network.  PPO plans do not require referrals and have out of network coverage. 

  • No Referrals Required
  • Out-of-Network Coverage 
  • May or May not have a Deductible

A POS plan, is a type of managed care health insurance plan in the United States. It combines characteristics of the health maintenance organization (HMO) and the preferred provider organization (PPO). The POS is based on a managed care foundation—lower medical costs in exchange for more limited choice. POS plans do not require referrals and have out of network coverage. 

  • No Referrals Required
  • Out-of-Network Coverage 
  • May or May not have a Deductible 

POINT
OF SERVICE
(POS)


A HDHP is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. Being covered by an HDHP is also a requirement for having a health savings account. HDHP plans do not require referrals and usually have out of network coverage. 

  • No Referrals Required 
  • Out-of-Network Coverage
  • Has a Deductible 

HIGH DEDUCTIBLE
HEALTH PLAN
(HDHP)

 

Health insurance network lookup

Ever wonder if your doctor is in your network? Wonder no more, click the Carrier Logo below to search that
carrier's network. 

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