What are the differences between HMO, HMO Balance and POS plans? Let’s take a closer look.
HMO Plans | HMO Balance Plans | POS Plans
Easier on the wallet, HMO plans are designed to save you money on out-of-pocket costs. With this plan type, you are required to choose a primary care provider (PCP) and stay within a network of providers to receive coverage under the plan, except for emergency services and urgent care.
HMO members can see a specialist, but their PCP must give them a referral to the specialist in order to get benefit coverage.
Balancing value with cost. HMO Balance plans provide more first dollar coverage to simplify the health care experience and give members more predictable cost share. With HPN’s HMO Balance Plans, members get:
The Cadillac of all plans, a POS plan offers members the most flexibility. It’s an HMO and PPO wrapped into one. This means members dictate how they want to use the plan based on three tiers:
All of our plans are on a calendar year schedule. Calendar year deductibles reset every January 1 and end December 31.
Make your employee benefits package stand out from the rest. Adding ancillary products to your employee benefits package may be the “something extra” you can offer to keep the talent you have, and recruit the cream of the crop.
We offer a variety of ancillary products to enhance your employee benefits package, such as:
We welcome the opportunity to provide you and your employees quality health insurance. To get a quote, contact your broker or call our sales office at 1-800-873-0004.