Residents in Indiana have access to a variety of health insurance options to suit their specific needs. At Paul Branham Agency, we offer four primary types of health insurance policies: EPO, HMO, POS, and PPO. Each of these plans provides coverage for essential medical, surgical, and hospital expenses, and depending on the chosen plan, may also cover dental care, mental health services, and prescription drugs.

Exclusive Provider Organization (EPO): This is a managed care plan offering coverage only when you use doctors, specialists, or hospitals within the plan’s network, except in emergencies. EPO plans are ideal for individuals who prefer a balance of flexibility and cost savings.

Health Maintenance Organization (HMO): HMO plans typically restrict coverage to care from providers who work for or contract with the HMO, excluding out-of-network care except in emergencies. These plans might require residing or working within a specific area and often emphasize integrated care, prevention, and wellness.

Point of Service (POS): POS plans offer more flexibility, allowing you to pay less when using in-network healthcare providers. These plans generally require a referral from your primary care doctor to see a specialist, combining features of both HMO and PPO plans.

Preferred Provider Organization (PPO): PPO plans offer the most flexibility, allowing you to use providers both inside and outside of the network. While in-network providers will cost less, you have the freedom to choose out-of-network providers without a referral, albeit at a higher cost.

Understanding these different types of health insurance plans is crucial in making an informed decision. At Paul Branham Agency, we’re committed to helping Indiana residents find the right health insurance coverage that aligns with their healthcare needs and financial situation. Contact us today to discuss your options and secure a plan that keeps you and your family protected