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)