Some plans emphasize using providers within their network of doctors, hospitals, and pharmacies. These plans often come with lower premiums but might restrict your choice of healthcare providers. Let's explore some popular network-focused options:

• Exclusive Provider Organization (EPO): Coverage is typically limited to in-network providers, except for emergencies.
• Health Maintenance Organization (HMO): Care is generally delivered by doctors who contract with the HMO, and out-of-network coverage is usually restricted. HMOs often promote preventive care and integrated care models.

Other plans offer more freedom in choosing your healthcare providers, but with potential trade-offs in cost. Here are some examples:

• Point-of-Service (POS): Using in-network providers results in lower costs, but seeing a specialist typically requires a referral from your primary care doctor within the network.
• Preferred Provider Organization (PPO): This plan allows you to use in-network or out-of-network providers. In-network care comes with lower costs, but using out-of-network providers typically involves higher out-of-pocket expenses.