comparison of HMO, PPO, POS, EPO

HMO:

Need a referral from PCP to see a specialist.

Need to select a PCP with in network

Low premium

Dose not covered the out of network service

PPO:

Don’t need a referral from PCP to see a specialist.

Don’t necessary have to choose a PCP

High premium

dose cover the out of network

POS:

Need to choose a PCP with in network

PCP may make referral outside the network

co-payments are low & there is no deductible for in network service

Co-payments and deductible are high for non-network

EPO:

Need to select a PCP with in network

Premiums amount is cheaper then HMOs and PPOs.

Need a referral from PCP to see a specialist

EPOs allows partial reimbursement out of network in emergency case.

This plan is combination of HMO and PPO