Questions we hear
HMO, EPO,
POS, or PPO?
About 10 in 100 workers in The Village mostly work from home, the Census Bureau reports. People picking a plan type here ask us these.
It's mostly about where you can get care. HealthCare.gov says HMO and EPO plans generally cover only in-network care, except in an emergency. PPO plans pay part of out-of-network care, for a higher cost.
With a POS plan, yes. HealthCare.gov says you need a referral from your main doctor first. Many HMOs work the same way. Each plan lists its rules.
Check the plan's own doctor list, then call the office to confirm. We do the lookup with you for each plan you're thinking about.


