An HMO (Health Maintenance Organization) is generally the least expensive health coverage option, but it is also the least flexible. HMO participants are limited to a network of participating providers and hospitals and a member often must attain a referral before seeing a specialist.

A PPO (preferred Provider Organization) is more flexible than an HMO but also has a higher premium associated with it. There is a network involved with PPO plans. However, the member has the option of staying in-network, where out of pocket costs are lower, or venturing outside the network if preferred, incurring higher out of pocket costs. Furthermore, there is no referral process ever necessary with a PPO.

A POS (Point of Service) plan is a hybrid of the HMO and PPO plans. Like the HMO, POS member often must have to attain a referral for specialist visits in the network to maximize coverage. However, the member would have the option of going to a participating provider without a referral and a physician outside the network at higher out of pocket costs.

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