Preferred Provider Organization (PPO) plans. These offer a wide choice of providers, with discounts for using in-network doctors and hospitals. These plans are a popular option because they give members freedom of choice, with the opportunity to reduce their costs. Members can choose any provider – but they pay less for care when they go to doctors, hospitals, and other healthcare providers.
Health Maintenance Organization (HMO) plans. These plans offer predictable out-of-pocket costs and emphasize the relationship with a primary care physician. Referrals to specialists may be required.
Point of Service (POS) plans. These plans combine the cost savings of our regional HMO networks and the flexibility of a PPO. Members can stay within the network and pay a lower share of the cost – or they can seek services outside the network and pay more. In addition to traditional POS plan designs, we offer consumer-driven POS plans.
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