There are a few common types of insurance coverage for you to consider.
For example, a preferred provider organization (PPO) health plan contracts with medical providers to create a network of participating providers. You can access out-of-network care at a higher cost. Referrals for specialists may or may not be required, meaning you may be able to self-refer if needed.
Meanwhile, a health maintenance organization (HMO) plan requires patients to receive care from doctors who are contracted by the HMO. Typically, it will not cover out-of-network care except in an emergency. Plans can be specific to a service area based on where you work or live. You will need referrals from your primary care provider (PCP) for specialists.
Visit our Shop Plans page to check out plans with Blue Cross and Blue Shield of North Carolina (Blue Cross NC).