Expertly Compare Employer Health Insurance Plans Effortlessly

There are several types of health insurance plans that employers can offer:

• Health Maintenance Organization (HMO): HMOs require employees to choose a primary care physician and get referrals for specialist services. They often have lower premiums and out-of-pocket costs.
• Preferred Provider Organization (PPO): PPOs offer more flexibility in choosing healthcare providers and do not require referrals for specialists. However, they usually come with higher premiums.
• Exclusive Provider Organization (EPO): EPOs combine features of HMOs and PPOs, with no referrals needed but requiring employees to use a network of doctors and hospitals.
• Point of Service (POS): POS plans require a primary care physician and offer a mix of HMO and PPO benefits, including referrals for out-of-network care.