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 2017 HMO Plan View 2018 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 2017 PPO Plan
Exclusive Provider Organization (EPO)
The EPO has a separate provider network. As a member of the EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits, except for emergency and urgent care.
View 2018 EPO Plan