PPO stands for Preferred Provider Organization. A PPO health insurance plan allows for more flexibility and more choices when it comes to your healthcare.

A PPO plan offers a network of healthcare providers to choose from, and you have the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral – even when you travel. Keep in mind, however, that your out-of-pocket medical costs are lower when you choose an in-network provider.

• Aetna
• Blue Cross
• Blue Shield
• Blue Shield Covered CA
• Cigna
• Coventry/First Healthnet
• Medi-Share
• Oscar
• United Healthcare

HMO stands for Health Maintenance Organization. With an HMO plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. All your care is coordinated through that PCP.

• Greater Newport Physicians
• St. Joseph Affiliated
• Memorial Care

Tricare is the military’s health insurance program, and it comes in four varieties: Tricare Prime, Tricare Extra, Tricare Standard, and Tricare for Life. Tricare, the military’s health insurance plan, covers everyone — active-duty members, retirees, and their families. However, retirees and their dependents have to chip in for the cost of coverage.

The MultiPlan Network is a nationwide complementary provider network. Just as the name implies, the MultiPlan Network adds to the coverage of a primary PPO or a HMO/POS/EPO network by giving health plan participants an additional choice of providers at discounted rates.