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You may have heard that premiums, copays and deductibles are all things you need to consider when choosing the best health plan for you or your family. Did you also know you should think about the plan’s provider network? Here's why.
While there are other types of health plans, the two most common are HMOs and PPOs. An HMO may have lower monthly premiums, but you'll choose a primary care physician (PCP) to direct your care within the network. You'll need a referral from your PCP to see a specialist. In a PPO plan, you may pay a higher premium. But have more freedom to choose doctors and hospitals without a referral.
Because this can be a big factor in your medical visits, here are some questions to consider as you choose your health plan:
Insider's Tip: Use the BCBSOK Provider Finder® online tool to see doctors, hospitals and urgent care centers that are in network for the plan you are considering. Provider Finder is also the place to check for doctors and any specialists you need to see after you have coverage.
Originally published 8/19/2015; Revised 2020, 2022, 2024