HMOs give you a local network of providers to choose from. You will select an in-network provider, and they coordinate your care and give you a referral to another in-network specialist if needed. The copays and coinsurance are typically lower than other health plans as long as you stay in-network.

EPOs offer a network of participating providers, but they do not include coverage for out-of-network care except for emergencies. If you visit a provider outside of the local network, you will most likely have to pay the full cost of service. However, you do not need a referral from a primary care provider to see a specialist.

These plans combine HMO and PPO plans. The provider network is generally smaller than a PPO plan, and the costs for in-network care are usually lower, like an HMO. With a POS plan, you have to choose a primary care provider. You are required to get a referral for a specialist. However, you can also see specialists in-network and out-of-network, but if you see an out-of-network provider the costs are higher and you must file any claims yourself.

PPOs offer a large network of providers, including doctors, hospitals, and other providers. You can also see providers out of the plan’s network, but you will pay more out of pocket. You are not required to have a primary care provider, and you can see specialists without a referral.