Network Types Explained: HMO vs. PPO vs. EPO

Key differences

• HMO: In‑network only; referrals usually required.
• PPO: In‑network preferred, some out‑of‑network coverage.
• EPO: Like HMO but often without referral requirements.

Picking the right one

Have specific doctors? Start with their network. Prefer flexibility? PPO may fit. Want low premium and don’t mind referrals? HMO/EPO can work. True North Roots checks your providers first.

Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.