• PPO Options allow you to use a doctor in the provider plan or see any licensed provider outside the PPO network.
• Access to physicians and specialists and hospitals providers in the Plan’s network. Access is also available to licensed out-of-network physician, specialist, and hospital at any time; but, you will generally pay more for out network services
• You generally don't need to select a primary care physician (PCP) or obtain referrals to see specialists.
• Pay only minimal payments for prescription drugs, in-network physician visits and some other covered services.
• Care through a vast network of providers who will assist you in receiving the maximum level of benefits.

• Access only to physicians, specialists, and hospitals offered through the HMO’s except for emergencies.
• Choose one doctor to serve as your first point of contact for most health care services.
• Pay minimal payments for HMO in-network doctor visits, prescription drugs, and some other covered services.
• Have coordinated care through a network of HMO participating providers.
• Low-cost access to the services the HMO offers such as: baby care, physical exams, and immunizations.

HMO's are rarely available in rural areas as they need lots of people to make the system work.