Private PPO coverage, reviewed by a licensed advisor
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
  • A licensed advisor, no pressure
  • No cost to talk it through
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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 stay with us and are never resold.

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 quote.

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

    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 Review
Next Step

See what you actually qualify for.

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

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

Year-round enrollment

Private PPO plans are not tied to open enrollment.

Never sold

Your details are not passed to a lead list.

256-bit SSL encrypted

Your details are protected 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