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Plan Types Explained

Individuals and Family PlansHealth PlansPlan Types Explained

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About the types of plans we offer

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Health Maintenance Organizations (HMO)

An HMO gives you a range of benefits for a prepaid monthly fee. The plan focuses on wellness, prevention, and treatment within a network of providers. Out-of-network providers are usually not covered, unless in an emergency. 

View HMO Plan

Preferred Provider Organizations (PPO)

PPOs often have a larger network of providers. This option can offer the greatest flexibility for members seeking care in and out of network. If a member visits an in-network doctor, they’re only responsible for their annual deductible and copay. If a member gets care outside the network, benefits may be reduced and their copay may be higher. Often, annual deductibles for PPO plans are higher than deductibles for HMO plans.

View PPO Plan

Short-Term Health Plans

Short-term health plans are designed to help keep you covered while you are in between plans from your employer, Healthcare.gov, or a private insurer like Scott & White Health Plan. A short-term plan typically provides basic coverage for health emergencies and catastrophic events. Short-term plans can be purchased for periods ranging from 1-11 months.

Compare Short-Term Plans

Point-of-Service (POS)

POS — often referred to as the “self-referral option” — is sometimes offered in conjunction with HMOs. Members can see either in- or out-of-network providers at the point where they choose to receive medical services. This option gives members freedom of choice to self-refer to non-contact providers.