Key Features

• In-network and out-of-network care options
• Referrals generally not required
• Option to choose a primary care provider
• Potential savings with network providers
• Covered services governed by policy terms
• Out-of-network costs may be higher

Key Features

• Primary care physician selection
• Referral may be required for preferred specialist care
• Preferred provider network access
• Option to access nonpreferred providers
• Potential savings through preferred care
• Costs and coverage vary by policy

Key Features

• Open-access provider arrangement
• Preferred provider network access
• Specialist access subject to plan rules
• Potential savings with network providers
• Coverage governed by policy terms
• Out-of-network costs may be higher

Key Features

• Network-focused provider coverage
• Access to participating healthcare providers
• Open-access specialist options may be available
• Routine out-of-network care generally not covered
• Emergency care subject to policy provisions
• Costs and benefits vary by policy

Key Features

• Network-based healthcare coverage
• Access to participating providers
• Open-access features may be available
• Provider network varies by policy
• Covered services follow plan terms
• Costs depend on plan-specific benefits

Key Features

• Network-focused healthcare coverage
• Participating providers for routine care
• Primary-care arrangements may apply
• Specialist access follows plan rules
• Out-of-network coverage may be limited
• Costs depend on the specific policy

Key Features

• High-deductible health plan design
• Potential Health Savings Account eligibility
• Premiums and deductibles depend on the policy
• Qualified medical expenses may use HSA funds
• Preventive-care terms depend on the plan
• HSA eligibility requirements must be met