Find Affordable Health Insurance Options Saving You Thousands

There are several types of health insurance plans available, each with unique features:

• Health Maintenance Organization (HMO): Requires members to choose a primary care physician and get referrals for specialist care. HMOs often have lower premiums but less flexibility in choosing healthcare providers.
• Preferred Provider Organization (PPO): Offers more flexibility in selecting healthcare providers and does not require referrals for specialists. However, this flexibility usually comes with higher premiums.
• Exclusive Provider Organization (EPO): Provides a network of doctors and hospitals you must use except in emergencies. EPOs typically have lower premiums than PPOs but require you to stay within the network.
• Point of Service (POS): Combines features of HMOs and PPOs, requiring referrals for specialists but offering some out-of-network coverage.