PPO Shopping for Coverage Back to Knowledge Center View Cigna Healthcare Company Names 1Emergency Services as defined by your specific plan. Some plans may also provide out-of-network coverage for certain Urgent Care Services. See your plan documents for the details of your specific medical plan....
Exclusive Provider Organization (EPO) insurance plans have a specific list of doctors and hospitals you can visit. These providers are called “in-network” because they have agreements with the insurance company to offer care at lower prices. Each EPO plan has a different network, so the doctor...
Point of Service (POS) plans are a hybrid of HMO and PPO plans, combining elements of both. Like an HMO, a POS plan requires you to have a primary care physician who will provide referrals to specialists within the network. However, like a PPO, POS plans also cover out-of-network...
Regardless of the plan design, out-of-network providers are not bound by any contracts with your health insurance company. Even if your POS or PPO insurance pays a portion of the cost, the medical provider can bill you for the difference between their regular charges and what your insurance ...
percent of all plans selected in 2018. An EPO is a managed care plan in which services are only covered if the patient sees a doctor, specialist or hospital within the plan’s network. However, there are some exceptions to this rule, such as if the patient experiences a medical emergency...
EPOs have some traits in common with HMOs and some traits in common with PPOs. As such, you might consider an EPO to be across-breed between an HMO and a PPO: Like an HMO, you have to stay within the plan's network. But like a PPO, you're usually not required to get a referral...
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Even if you like your current health plan, you still should look at all the options – as well as check your current plan for any changes, especially as they apply to doctors you see and medications you take regularly. These days, the choice of PPO vs. HMO vs. EPO vs. POS vs. any...
EPO Insurance vs. HDHP Insurance HDHP (High-Deductible Health Plan) and EPO plans mainly differ in how they handle costs. EPOs usually have lower deductibles and let you access in-network care without referrals, but the premiums are typically higher. HDHPs have high deductibles and low monthly...
EPO Insurance vs. HDHP Insurance HDHP (High-Deductible Health Plan) and EPO plans mainly differ in how they handle costs. EPOs usually have lower deductibles and let you access in-network care without referrals, but the premiums are typically higher. HDHPs have high deductibles and low monthly...