It's time for a health plan with benefits like common sense

HMO

• In-network coverage only
• Premiums may be lower with HMO plans
• Your PCP coordinates your care
• You need referrals for specialty care and certain services
• See Complete HMO member handbook 

PPO Plus

• In- and out-of-network coverage
• Premiums may be higher with PPO plans
• PCP is recommended but not required
• No referrals necessary for specialty care
• See PPO Plus member handbook