Health Plans 101

Learn more about your health plans and health insurance.

Health insurance can seem complicated – we're here to help make it easier to understand. Take a tour of our resources that cover the ins and outs of how health insurance works. Start here by learning about the types of health care plans offered by Quartz.

HMO (Health Maintenance Organization)

An HMO plan usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care, except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.

PPO (Preferred Provider Organization)

You pay less if you use providers in the plan’s network with a PPO plan. You can use doctors, hospitals, and providers outside of the network, without a referral, for an additional cost.

POS (Point of Service)

A POS plan lets you pay less if you use doctors, hospitals and other health care providers in the plan’s network.

Self-Funded (or Administrative Services Only)

With a self-funded plan, an employer covers health care expenses with its own funds, rather than having an insurance company provide health coverage.