March 24, 2023
We recommend choosing a PPO network health insurance plan. These plans allow you to choose your own doctors and hospitals, and pay the same benefits in or out-of-network. Also, PPO network health plans do not require a referral from your primary care doctor to see a specialist.
HMO and EPO network health plans are much more restrictive and require you to use only doctors and facilities that in in-network and do not generally pay any benefits to out-of-network providers