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For Blue Cross Advantage plans in California click here for Seniors Medicare Advantage Plans

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Types of Comprehensive Individual & Family Health Plans

An PPO (Preferred Provider Organization) is a similar organization in that some health care providers are contracted to provide health care services at contracted rates, but it offers more flexibility, since most HMOs require that their members stay within their provider network. When you receive care from in-network doctors, you will save money. But you will also have coverage with any physician or specialist - even if they are not in the preferred network.

An HMO (Health Maintenance Organization) is one one of the most affordable health plans available. You must go to doctors within the network and choose a primary care physician. However the health-care providers have contracted with the insurance company to provide health-care services at fixed rates. So they usually don't require members to satisfy a deductible before benefits take effect, and most services are covered by set, lower cost co-payments.

An POS (Point of Service) is an "HMO/PPO" hybrid; sometimes referred to as an "open-ended" HMO when offered by an HMO. POS plans resemble HMOs for in-network services. Services received outside of the network are usually reimbursed in a manner similar to conventional indemnity plans (e.g., provider reimbursement based on a fee schedule or usual, customary and reasonable charges).

An EPO (Exclusive Provider Organization) is a health care benefit arrangement that is similar to a preferred provider organization in administration, structure, and operation, but which does not cover out-of-network care. An EPO is a type of health plan that utilizes primary care physicians to coordinate access to in-network medical services for plan participants. EPOs feature financial incentives to seek health care services from in-network providers, and patients are responsible for considerable out-of-pocket expenses if they receive care from out-of-network providers without authorized referrals. EPO providers are only paid for services provided (HMOs receive monthly payments from carriers); and the premiums for EPOs are generally cheaper than HMOs. EPOs are structurally similar to PPOs, but EPO members cannot file claims for non-network office visits, which PPO and POS plans allow.

An HSA (Health Savings Account) offers maximum cost effectiveness for your benefits plan. It gives your employees an account called a Health Savings Account, or HSA, which they can use to pay for their medical care and prescriptions. The HSA is funded by a your pre-tax contributions. It also includes a Traditional Health Coverage (PPO) component, similar to a typical health plan, to help protect you against large health expenses.

We provide a choice of Health Insurance Plans for HMO, PPO, HSA's ( CLICK HERE FOR HSA Health Insurance BASICS ) for Individuals and Families through Anthem Blue Cross, Blue Shield, Aetna, PacifiCare and many others. We realize that having all these choices of Health Insurance Plans can sometimes be a bit intimidating so please call us Toll-free at 1-877-566-5454 if you have any questions or if you need help.

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Important Disclaimer:  Answers and comments provided above are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, governmental, or other professional advice. We do not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service, health plan, or service provider mentioned or any opinion expressed in the website.  Replies, comments, or information gathered on BarricksInsurance.com  website may not be accurate but are intended to be helpful.