How can I get health insurance if my employer doesn't offer it?
Call us at 270-265-9811 and we will connect you with an agent who will help you find the health insurance coverage you need.
What Is An HMO (Health Maintenance Organization) Plan?
An HMO (Health Maintenance Organization) is a healthcare plan that focuses on cost-effective care. Members select a primary care physician (PCP) who coordinates their healthcare and provides referrals to specialists within the HMO's network. HMOs emphasize preventive care and generally have lower costs, but they require using network providers and may have limited out-of-network coverage. It's ideal for those who prefer managed care and predictable costs.
What Is A PPO (Preferred Provider Organization) Plan?
A Preferred Provider Organization (PPO) health plan lets you pick doctors and specialists without a referral. You can see any healthcare professional, but there's a network of preferred providers for lower costs. Going outside the network might mean higher expenses. It offers flexibility and choice with potential savings when staying in-network.
What Is An EPO (Exclusive Provider Organization) Plan?
An Exclusive Provider Organization (EPO) health plan is a type of managed care health insurance that offers a balance between cost savings and a limited network of healthcare providers. With an EPO plan, you'll generally pay lower out-of-pocket costs if you use healthcare professionals and facilities within the plan's network. However, unlike a Preferred Provider Organization (PPO) plan, EPOs typically don't cover any costs if you go outside the network for care, except in emergencies.
In summary, an EPO health plan provides cost savings when using in-network providers, but it requires you to stay within the network for coverage, except in urgent situations.