The Difference Between HMO, PPO & EPO

If you are searching around for health insurance in Florida, you will find there are a variety of plans to choose from. Options are great, but it can become confusing come time to decide which one is best for you. Having health insurance in Florida is essential to receive preventative care and address any medical concerns with a physician or doctor. In the following, we will discuss three of the most common health insurance plans: the difference between HMO, PPO, and EPO.


  1. HMO

If you are looking for all-around affordable health insurance in Florida, you might consider looking into the Health Maintenance Organization (HMO). This plan a very affordable option, as copays, coinsurance, and monthly premiums are relatively low in cost. When choosing a primary care physician (PCP) under HMO, you will be limited to the network of healthcare providers you can go to. The doctor you choose will be the one who knows everything and anything about your health and is the doctor who will treat you for medical care. In a situation where you need to see a specialist, you will meet with your PCP first, and then they will refer you to someone within the network. HMO does not cover out-of-network care.


  1. PPO

Unlike HMO, you are not required to have a designated PCP with a Preferred Provider Organization (PPO) plan. While it is encouraged to stay within the offered network of providers, you do have the flexibility to see a doctor, specialist, or use any hospital in or out of the network. However, using in-network providers will provide service to you at a discounted rate. Additionally, because PPO is more flexible, you should expect higher out-of-pocket costs.


  1. EPO

Exclusive Provider Organization (EPO) plan is somewhat of a combination of HMO and PPO. Similar to HMO, this plan provides in-network PCPs to choose from, but is more flexible like PPO, as you are not required to receive a referral in the circumstance you need to see a specialist. However, if you do seek out-of-network care, you will be held responsible for any costs.


With every insurance plan, there are always going to be pros and cons of each. While all are relatively affordable health insurance in Florida, it ultimately boils down to your financial means, quality of health, and your specific preferences. If you are unsure what will benefit you the most, many times you can receive health insurance quotes in Florida from insurance groups, like Apollo Insurance Group. We only secure the best coverage for our clients based on their needs. We offer on-and-off-exchange products and are associated with most health insurance companies in Florida, such as Ambetter, Aliera, and National General. We are fueled by our passion for helping our clients find the best health insurance in Florida, and you can rely on Apollo Insurance to do just that.