HAP plan basics

Our plan types include health maintenance organizations, or HMOs; preferred provider organizations, or PPOs; and exclusive provider organizations, or EPOs. These types of plans focus on preventive care and reducing the cost of health care

HMOs

HMOs are usually more affordable than PPOs. HMO members coordinate their care through a primary care doctor. Though HAP doesn’t require you to get a referral from your primary care doctor to see a specialist, the specialist may require a referral. Check with the specialist’s office to find out if you need a referral from your primary care doctor before making an appointment. Find a doctor in our network.

Some of the advantages of HMO plans include:

• Ability to choose and change primary care doctors as often as you like
• Access to providers and hospitals within the HMO’s network
• Each covered family member can have a different primary care doctor

PPOs

PPOs offer more flexibility and choices. Some of the advantages of these plans include:

• No need to choose a primary care doctor
• Reduced out-of-pocket costs when you see in-network providers
• Members can see health care providers within or outside the PPO network without referrals

EPOs

EPOs combine the cost savings of HMOs with the flexibility of PPOs. These plans have the following advantages:

• Access to providers within the EPO’s network
• Larger service area than HMO plans
• No need to choose a primary care doctor

Plan savings

If you have an HMO plan, it may include a Health Engagement program, which can turn healthy behaviors into out-of-pocket savings. Learn about our Health Engagement program.