健康保險
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:
健康維護組織（HMO）
Usually the lowest cost of all plans.
No
Yes
Yes
獨家服務提供者組織（EPO）
Usually lower cost than a PPO.
No
No
No
首選醫療服務提供者組織（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
服務點（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