What types of health insurance plans are available (HMO, PPO, EPO, POS, HDHP)?

Understanding Health Insurance Plan Types: HMO, PPO, EPO, POS, HDHP

When choosing health insurance, it’s important to understand the main types of plans:

- HMO (Health Maintenance Organization): Requires you to use doctors in the network and get referrals to see specialists.

- PPO (Preferred Provider Organization): Offers more flexibility to see any doctor but costs more.

- EPO (Exclusive Provider Organization): Only covers in-network services but doesn’t require referrals.

- POS (Point of Service): Hybrid plan that combines HMO and PPO features.

- HDHP (High Deductible Health Plan): Comes with lower premiums but higher deductibles; compatible with Health Savings Accounts (HSAs).

Each plan type fits different needs based on cost, doctor choice, and usage patterns.

Learn more about your options and get help picking the right plan at Aura Insure