comparison of HMO, PPO, POS, EPO

HMO:
 
  1. Need a referral from PCP to see a specialist.
  2. Need to select a PCP with in network
  3. Low premium
  4. Dose not covered the out of network service

PPO:
  1. Don’t need a referral from PCP to see a specialist.
  2. Don’t necessary have to choose a PCP
  3. High premium
  4. dose cover the out of network

POS:
    1. Need to choose a PCP with in network
    2. PCP may make referral outside the network
    3. co-payments are low & there is no deductible for in network service
    4. Co-payments and deductible are high for non-network

EPO:
      1. Need to select a PCP with in network
      2. Premiums amount is cheaper then HMOs and PPOs.
      3. Need a referral from PCP to see a specialist
      4. EPOs allows partial reimbursement out of network in emergency case.
      5. This plan is combination of HMO and PPO

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