🧭 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.

πŸ“š 13 guides⏱ 2 min average read✍️ Written by licensed agents
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🧭 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 888-730-6001, or request a free quote online in two minutes.