When shopping for a health plan, it is important to understand the differences between the types of health plans to select the one that best fits your needs.
There are 3 types of health plans offered on the Covered California health exchange:
- HMO
- EPO
- PPO
The difference between these plans primarily comes down to the flexibility to choose providers when you need medical care.
Plan feature | HMO | EPO | PPO |
Need to designate a primary care physician? | Yes | No | No |
Need a referral to see a specialist? | Yes | No | No |
Is there an out of network benefit? | No | No | Yes |
Level of flexibility | Low | Medium | High |