Health Insurance
Health Plan Types Comparison Chart
Cost?
What will I pay?
If I use out-of-network providers, will my care be covered? (In the case of emergencies and when care is not available in-network, out-of-network providers should be covered.)
Do I have to designate a primary care physician (PCP)?
Do I need a referral to see a specialist?
This plan is best for people who:
Health Maintenance Organization (HMO)
Usually the lowest cost of all plans.
No
Yes
Yes
Exclusive Provider Organization (EPO)
Usually lower cost than a PPO.
No
No
No
Preferred Provider Organization (PPO)
Usually the highest cost of all plans.
Yes, but you will pay a higher percentage of the cost if you go out-of-network.
No
No
Point-of-Service (POS)
Usually lower cost than a PPO.
Yes, but you will pay a higher percentage of the cost if you go out-of-network.
Usually
Usually
Our Office
Barbara Jordan Building
1601 Congress Ave., Suite 3.500
Austin, Texas 78701
1-(877)-611-6742