INSURANCE NETWORKS AND RESOURCES
What is The Right Provider Network For Me?
Your network is one of the most important aspects of your health insurance plan. Even the best coverage out there is rendered useless if your doctors and hospitals are not in-network. At Family Man Insurance, we help you find the best coverage with the peace of mind knowing you will be able to use it.
In-Network &
Out-of-Network
EPO
Exclusive Provider Organization
EPO network coverage is limited
to specified geographic area.
Out-of-Network--100% Out-of-Pocket--Except For Emergencies
HMO
Health Maintenance Organization
Eligible services from providers and facilities inside HMO network covered.
Most Out-of-Network Expenses-- Out-of-Pocket
PPO
Preferred Provider Organization
Covers eligible services for providers
and facilities inside and outside the PPO network.
Less Out-of-Pocket In-Network vs.
More Out-of-Pocket Out-of-Network
Pre-Certification & Provider Referrals
EPO - Narrow Network/ Limited Coverage Area, In-Network Only
HMO - Narrow Network/ Coverage In-Network Only
PPO - Broader Network/ Coverage In & Out of Network
EPO
Exclusive Provider Organization
Provider Referrals Required
Pre-Certification Required
HMO
Health Maintenance Organization
Provider Referrals Required
Pre-Certification Required
PPO
Preferred Provider Organization
Provider Referrals
Typically Not Required
Pre-Certification Sometimes Required
Confused about which network would fit your needs the best? Call/Text now to speak with a licensed agent. (469) 600-8055.