Plan types (HMO, POS, PPO) refer to how plans provide coverage and from which network of providers you receive care.
Health Maintenance Organization (HMO)
HMO plans offer the flexibility to see any of the 37,000 participating providers in the BlueChoice network. Outside of our network, only emergency medical services are covered.
Point of Service (POS)
POS plans offer access to care in the HMO network for the lowest costs and in the PPO network, which will be slightly more expensive. Nationwide care (outside of Maryland, Virginia and D.C.) is also available, but will cost you more.
Preferred Provider Organization (PPO)
PPO plans offer the most flexibility. Care can be accessed from the PPO network of more than 42,000 providers locally and thousands nationally. Costs will be higher if you see a doctor who does not participate with a Blue Cross and Blue Shield plan.
Catastrophic plans, like our BlueChoice Young Adult plan, usually have lower premiums than a comprehensive plan, but have higher deductibles. The BlueChoice Young Adult plan is available to individuals under the age of 30 at the time of their effective date. Please note, certain individuals age 30 or older may also apply for BlueChoice Young Adult if their policies were cancelled due to non-compliance with the Affordable Care Act or if they quality for a hardship exemption.