Health Insurance -

Choose either a PPO, HMO, Open Access or HSA

• PPO – Better coverage is provided inside the network, but there is coverage at reduced benefits outside the network 
• HMO – Referrals are required and there is no coverage outside the network 
• Open Access – Is like a HMO, but there is coverage outside the network 
• HSA  – High Deductible plans coupled with a savings account. Contributions to the savings account are usually tax deductible and are not taxed as long as they are used for approved medical expenses.