Licensed advisors in all 50 states
Article

What Is a PPO, in Plain English?

PPO, HMO, EPO, POS — what the letters mean and which one you actually want.

  • Pre-existing conditions covered
  • Enroll any day of the year
  • One licensed advisor, no pressure
  • No cost to talk it through
Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds

Plans from nationally recognized carriers

Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.

At A Glance

What a private PPO can do that most plans can't.

Pre-existing conditions covered

An advisor tells you straight which plans will take your health history.

Enroll any day of the year

No six-week window. Coverage can start when you need it to.

Broad nationwide PPO networks

Keep your own doctor in most cases and stay covered across state lines.

Never sold to third parties

Your details go to one licensed advisor — no lead resale, no robocalls.

4 min read

Four acronyms describe almost every plan sold in America, and the difference between them is simply how much freedom you're buying.

HMO: cheapest, most restricted

A local network, a primary care gatekeeper, referrals before specialists, and no out-of-network coverage except emergencies.

PPO: costs more, moves freely

A broad, usually nationwide network. No referral needed. Some out-of-network coverage. This is what you want if you travel, split time between states, or want to keep a specific specialist.

EPO and POS: the middle

EPO is a PPO network without out-of-network coverage. POS is an HMO that lets you go out of network at a higher cost. Both are compromises; both are less common.

General information only. Not insurance, tax or legal advice about your situation, and not a price offer.

How It Works

Three steps, and you're never locked in.

  1. 01

    Tell us the basics

    State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.

  2. 02

    A licensed advisor reaches out

    One advisor, not six. Real options, real costs and the honest trade-offs, in plain English.

  3. 03

    You decide

    Enroll if it fits, or don't. No cost to talk and no obligation at any point.

Start My Free Coverage Review
Next Step

See what you actually qualify for.

Four questions, one licensed advisor, a straight answer. No cost, no obligation, no pressure.

Secure & private. By submitting you agree to be contacted by one licensed advisor.

Licensed in all 50 states

Your advisor is licensed where you live.

One advisor, no robocalls

Your details go to one person, not a call list.

Never sold to third parties

256-bit SSL encrypted from the first click.

No cost, no obligation

Talking it through is free. You decide.

Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds