Welcome to the Employer Help Center

Types of Medical Plans

Health Maintenance Organization (HMO)

  • Features: Requires members to use healthcare providers within a specified network. Referrals from a primary care physician (PCP) are needed to see specialists.
  • Advantages: Lower premiums and out-of-pocket costs. Focus on preventive care.
  • Disadvantages: Limited choice of healthcare providers and need for referrals.

Preferred Provider Organization (PPO)

  • Features: Offers a network of preferred healthcare providers but allows members to see out-of-network doctors at a higher cost. No referrals needed to see specialists.
  • Advantages: Greater flexibility in choosing healthcare providers and specialists.
  • Disadvantages: Higher premiums and out-of-pocket costs compared to HMOs.

Exclusive Provider Organization (EPO)

  • Features: Similar to PPOs but does not cover out-of-network care except in emergencies. No referrals needed to see specialists.
  • Advantages: Lower premiums than PPOs while maintaining flexibility in choosing providers within the network.
  • Disadvantages: No coverage for out-of-network care.

Point of Service (POS)

  • Features: Combines elements of HMOs and PPOs. Requires a primary care physician for referrals to specialists but allows out-of-network visits at a higher cost.
  • Advantages: More flexibility than an HMO with some coverage for out-of-network care.
  • Disadvantages: Higher out-of-pocket costs for out-of-network services and need for referrals.

High Deductible Health Plan (HDHP)

  • Features: Plans with higher deductibles and lower premiums, often paired with Health Savings Accounts (HSAs).
  • Advantages: Lower premiums and the ability to save tax-free money in an HSA for medical expenses.
  • Disadvantages: Higher out-of-pocket costs before insurance kicks in.

Health Savings Account (HSA)

  • Features: A savings account for individuals enrolled in HDHPs, allowing them to save pre-tax money for medical expenses.
  • Advantages: Tax benefits and funds roll over year to year.
  • Disadvantages: Only available with HDHPs and contributions are limited annually.


  • Features: Federal program for individuals 65 and older or with certain disabilities. Includes Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage Plans), and Part D (prescription drug coverage).
  • Advantages: Provides comprehensive coverage for seniors and eligible individuals.
  • Disadvantages: Can involve premiums, deductibles, and gaps in coverage.