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Types of Health Coverage Plans

When considering health coverage for your family, it's essential to understand the different types of plans available. These typically include:

• Health Maintenance Organization (HMO): This plan requires members to choose a primary care physician and obtain referrals for specialist services. HMOs 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. These plans usually have higher premiums but provide greater freedom.
• Exclusive Provider Organization (EPO): EPOs combine features of HMOs and PPOs, offering a network of providers without the need for referrals, but they do not cover out-of-network care.
• Point of Service (POS): POS plans require a primary care physician and offer the flexibility to see out-of-network providers at a higher cost.