An HMO (Health Maintenance Organization) health plan is a comprehensive health care plan that requires you to choose a primary care physician and only receive medical care through the plan's network of providers.
A POS (Provider Service Organization) health plan allows you to choose from a network of medical providers, and offers the ability to visit a specialist with a referral from your primary care physician.
A PPO (Preferred Provider Organization) health plan allows you to choose from a network of medical providers, and offers the ability to visit a specialist without referrals.
An EPO (Exclusive Provider Organization) health plan requires that you receive care only from providers in the plan's network, unless it is an emergency.
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