Is BCBS HMO or PPO

What is an hmo and a ppo?For 60 years, the blue cross and blue shield service benefit plan, also known as the federal employee program—or simply fep—has provided health insurance to the federal employee workforce.Ppo stands for participating provider option.Carefirst offers a variety of plan types (hmo, pos, ppo).Blue cross and blue shield of illinois, a division of health care service corporation, a mutual legal reserve company, an independent licensee of the blue cross and.Plan types refer to how plans provide coverage and from which network of providers you receive care.

Choosing doctors outside of the network or seeing a medical specialist without a referral from your primary care doctor will also cost more.It's a type of health plan that lets you choose where you go for care, without a referral from a primary care physician or having to only use providers in your plan's provider network.One kind might work better for you than another.If you have an hmo, your card may also list the physician or group you've selected for primary care.Click on the image below to make it bigger.In terms of flexibility, a pos plan falls between an hmo and a ppo, and the same goes for cost.

All these plans use a network of physicians, hospitals and other health care professionals to give you the highest quality care.A pos is good for someone who:An hmo often costs less than a ppo.