Different types of health insurance plans meet different needs. When
you compare options, it's important to understand how they are
structured.
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
HMOs
and EPOs may limit coverage to providers inside their networks. A
network is a list of doctors, hospitals, and other health care
providers that provide medical care to members of a specific health
plan. If you use a doctor or facility that isn't in the HMO’s network,
you may have to pay the full cost of the services provided.
HMO members usually have a primary care doctor and mu
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