Find the Best Employer Health Plans Today

There are several types of employer health plans to consider:

• Health Maintenance Organization (HMO): These plans offer lower premiums and out-of-pocket costs but require employees to choose healthcare providers within a specified network.
• Preferred Provider Organization (PPO): PPOs provide more flexibility in choosing healthcare providers and do not require referrals for specialists, though they typically come with higher premiums.
• Exclusive Provider Organization (EPO): Like HMOs, EPOs require the use of network providers but offer more flexibility in choosing specialists without referrals.
• Point of Service (POS): POS plans combine features of HMOs and PPOs, offering network-based care with the option to see out-of-network providers at a higher cost.