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The Types of Health Insurance Coverages



Preferred Provider Organizations (PPOs)

- Also known as "preferred" or "out of network" providers

-Network or group of preferred providers, hospitals, doctors

-Less payment for insured


Health Maintenance Organizations (HMOs)

-Also known as "in network" providers

-To join, you must live in the area of HMO services

-Mostly referrals

-Higher costs for insured

-flat co-pay

-co-insurance payment: part or percentage of cost


Exclusive Provider Organizations (EPOs)

-When there is no primary care doctor

-Do not need referrals

-Limits on doctors and hospitals

-Costs vary depending on providers

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