Explore each type of insurance we offer — what it protects, how it works, and the four things that matter most when you choose a plan.
Select a coverage type to see what it protects and the four factors that matter most when comparing plans.
Individual & family medical plans that cover doctor visits, prescriptions, and hospital stays — so an illness never becomes a financial crisis.
The Four Things That Matter Most
What you pay each month. Lower premiums usually mean higher costs when you actually use care.
What you pay before insurance shares the cost. High-deductible plans can pair with an HSA.
Confirm your doctors and hospitals are in-network — HMOs and EPOs limit out-of-network care.
Review the formulary to make sure your medications are covered at an affordable tier.
Compare the most common plan types at a glance to see which fits your lifestyle.
| Feature | HMO | PPO | EPO |
|---|---|---|---|
| Stay in-network only | |||
| See out-of-network providers | |||
| Referral needed for specialists | |||
| Lower monthly premium | |||
| Greater flexibility |
Write down your doctors, prescriptions, and how often you visit. Knowing your usage is the foundation of a smart choice.
Confirm your preferred doctors and hospitals are in-network for each plan you're considering.
Add up premiums, deductibles, and copays for a typical year — and a worst-case year — to compare real value.
Compare side by side, read the fine print, and enroll with confidence — or let a licensed agent help.