๐Ÿงญ Vivna Blog Topic

Health Plan Types and Networks Explained

HMO, PPO, EPO, metal levels and networks, all in plain English. Learn how each plan type works and how to make sure your doctors are covered before you enroll.

๐Ÿ“š 27 guidesโฑ 2 min average readโœ๏ธ Written by licensed agents
How to Apply for TriTerm Medical: 6 Steps to Coverage โœจ Newest GuideHow to Apply for TriTerm Medical: 6 Steps to Coverageโฑ 2 min read
Every Plans & Networks Guide

๐Ÿ“š All Plans & Networks Articles

Start with the newest guide, or scan the list for your question. Each article answers one real shopper question in a few minutes.

How to Apply for TriTerm Medical: 6 Steps to Coverage Plans & NetworksHow to Apply for TriTerm Medical: 6 Steps to Coverage2 min read TriTerm Medical Pre-Existing Conditions: The 12-Month Rule Plans & NetworksTriTerm Medical Pre-Existing Conditions: The 12-Month Rule2 min read Who Qualifies for TriTerm Medical? Age, State and Health Rules Plans & NetworksWho Qualifies for TriTerm Medical? Age, State and Health Rules2 min read Is TriTerm Medical Insurance Good? Pros, Cons and Who It Fits Plans & NetworksIs TriTerm Medical Insurance Good? Pros, Cons and Who It Fits2 min read Cigna Open Access Plus Out-of-Network Coverage Explained Plans & NetworksCigna Open Access Plus Out-of-Network Coverage Explained2 min read What Does Cigna Open Access Plus Cover? Plans & NetworksWhat Does Cigna Open Access Plus Cover?2 min read Cigna LocalPlus vs. Open Access Plus: Which Is Better? Plans & NetworksCigna LocalPlus vs. Open Access Plus: Which Is Better?2 min read Cigna Choice Fund Explained: HSA vs. HRA Plans & NetworksCigna Choice Fund Explained: HSA vs. HRA2 min read Is Cigna Open Access Plus a Good Plan? Pros and Cons Plans & NetworksIs Cigna Open Access Plus a Good Plan? Pros and Cons2 min read Cigna Open Access Plus In-Network vs. OAP: Key Differences Plans & NetworksCigna Open Access Plus In-Network vs. OAP: Key Differences2 min read Does Cigna Open Access Plus Require Referrals? Plans & NetworksDoes Cigna Open Access Plus Require Referrals?2 min read Bronze vs. Silver Plan: Which Costs Less in 2027? Plans & NetworksBronze vs. Silver Plan: Which Costs Less in 2027?2 min read Catastrophic Health Insurance: Who Qualifies in 2027 Plans & NetworksCatastrophic Health Insurance: Who Qualifies in 20272 min read Tri-Term vs. Short-Term Health Insurance: Key Differences Plans & NetworksTri-Term vs. Short-Term Health Insurance: Key Differences2 min read How to Find an In-Network Dentist: 5 Steps to Avoid Surprise Bills Plans & NetworksHow to Find an In-Network Dentist: 5 Steps to Avoid Surprise Bills2 min read What to Do If Your Doctor Leaves Your Network Plans & NetworksWhat to Do If Your Doctor Leaves Your Network2 min read How to Check If a Doctor Is In Network: 5 Ways to Be Sure Plans & NetworksHow to Check If a Doctor Is In Network: 5 Ways to Be Sure2 min read Best Health Insurance Plans: How to Choose the Right One Plans & NetworksBest Health Insurance Plans: How to Choose the Right One2 min read Marketplace Plan Comparison: How to Compare Plans Side by Side Plans & NetworksMarketplace Plan Comparison: How to Compare Plans Side by Side2 min read Bronze, Silver and Gold Plans: Costs, Deductibles and Extra Savings Plans & NetworksBronze, Silver and Gold Plans: Costs, Deductibles and Extra Savings2 min read Health Insurance Networks: Size, Premiums and Costs Plans & NetworksHealth Insurance Networks: Size, Premiums and Costs2 min read 7 Types of Health Plans Explained: HMO, PPO, EPO, POS and More Plans & Networks7 Types of Health Plans Explained: HMO, PPO, EPO, POS and More2 min read EPO vs POS Plans: Key Differences, Network Diagram and Costs Plans & NetworksEPO vs POS Plans: Key Differences, Network Diagram and Costs2 min read HMO vs PPO Plans: Network Diagram, Comparison Chart and Costs Plans & NetworksHMO vs PPO Plans: Network Diagram, Comparison Chart and Costs2 min read In-Network vs Out-of-Network: Costs, Examples and Your Rights Plans & NetworksIn-Network vs Out-of-Network: Costs, Examples and Your Rights2 min read How to Choose a Primary Care Doctor You Can Trust Plans & NetworksHow to Choose a Primary Care Doctor You Can Trust2 min read Using Telehealth Services: What Your Insurance Covers Plans & NetworksUsing Telehealth Services: What Your Insurance Covers2 min read
๐Ÿงญ Coverage Guide

HMO, PPO, EPO and POS plans

The plan type decides which doctors you can see and whether you need referrals. Compare them in our guide to health plan types, HMO vs PPO plans and EPO vs POS plans.

Metal levels: Bronze, Silver, Gold and Platinum

Metal levels show how you and the plan split costs on average. Bronze has lower premiums, while Gold costs more each month but less when you get care. Read how the metal levels compare.

Why the network matters so much

In-network care costs far less than care outside the network. So check your doctors before you enroll. Learn what in-network and out-of-network care cost, then how to check if your doctor is in network.

Choosing and comparing plans

Ready to compare? Start with how to compare Marketplace plans and how to pick a primary care doctor. Also, see how telehealth visits can save you a trip.

Get a side-by-side comparison

A licensed Vivna agent can compare networks, drug lists and total yearly costs for you. Call 888-730-6001 for free help.

Questions About Plans & Networks?

Then ask a real person. Our licensed agents answer coverage questions for free, every weekday. Call 888-730-6031, or request a free quote online in two minutes.