CORRECTION: Around the 09:00 mark, I say an EPO is like an HMO, but with a few more restrictions. I should have said and EPO is like a *PPO* with restrictions.
What’s the difference?
HMOs have the most restrictions out of the different plan types; requiring you to stay in network, choose a primary care provider (PCP), and get a referral from your PCP to see a specialist.
EPOs require you to stay in network, but you DON’T need to pick one PCP or get a referral.
PPOs don’t require you to stay in network, select a PCP, nor get a referral.
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Open enrollment begins November 1 and closes January 15, so now is the time to make your insurance plan selection.
Not quite sure how to get started with shopping for health insurance on the marketplace? Feel free to tag along as I set up my account on Pennie (PA’s alternative to Healthcare.gov) and choose a health plan for my family.
I obviously can’t pick a health insurance plan for you, but I’ll give you a peek behind the curtain, show you what the marketplace looks like, define a few terms, and talk through what I’m looking for in a plan as I compare different options.
#healthinsurance
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