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Types of Employer Health Insurance Plans

Employer-sponsored health insurance plans come in various forms, each with unique benefits and structures:

• Health Maintenance Organization (HMO): HMOs require members to choose a primary care physician and obtain referrals for specialists, focusing on preventive care and offering lower premiums.
• Preferred Provider Organization (PPO): PPOs offer more flexibility by allowing members to see any healthcare provider, though staying within the network results in lower costs.
• Exclusive Provider Organization (EPO): EPOs combine aspects of HMOs and PPOs, offering a network of providers without requiring referrals but lacking out-of-network coverage.
• Point of Service (POS): POS plans require a primary care physician and referrals for specialists, similar to HMOs, but offer some out-of-network coverage like PPOs.