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Understanding Health Insurance Networks. Here’s HOW to pick the one for you👇🏼 1️⃣ HMO Plans: Your Primary Care Provider (PCP) has to be within their HMO network, you'll need referrals for specialists and have no out of network coverage. 2️⃣ EPO Plans: You must go in network for all medical services, no referrals needed and Emergency only will be covered out of network. (It is up to the insurance company to decide what's a true life and death emergency 🙄). 3️⃣ POS Plans: Very similar to EPOs, except for better out of network coverage for non emergencies. 4️⃣ PPOs are the best plans overall as far as flexibility, but they will be the most expensive IF you get them through state Marketplace (if they even offer those, most states won't) PRO TIP: if you NEED a PPO for nationwide or multi state coverage and your state Marketplace does not offer those at all or if they cost like your monthly mortgage payment - there are PRIVATE PPO plans that could be a better fit for you and save up to 30-50% if qualify. Dm for info on those😎 Stay informed to pick the right plan for you! Follow @simplehealthquotes for more health insurance tips like this! Love, Oxana 💋 #healthinsurance #healthcare #selfemployedlife #smallbusinesstips #insurancetips #hmo #ppo #epo #insurancetiktok #healthinsurancebroker #healthylife #protectyourself #travelnurse #contractorsoftiktok