EPO, HMO, PPO
Exclusive Provider Organization(EPO): which is a network that allows you to get healthcare services from an exclusive tight network of doctors, and hospitals. If you go outside that network you won't be covered and they don't have to pay anything.
Health Maintenance Organization(HMO): which also restrics patients to a particular group of physicians, but the network is a bit bigger so it will probably cover everwhere in the state and maybe the region but if you leave the network they don't have to pay a dime.
Preferred Provider Organization(PPO): which by definition is any doctor, any hospital. So you can go anyhwere you want to go. No primary care physicians, no referrals. What it means is the insurance company is on the hook to pay the clain no matter where you go for care.
Make sure to Enroll before December 15 to have your coverage start on time! Don't be LATE! Contact me TODAY so we can go over all your options!
