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.

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