Employer health plans

  • HMO 

    Health Maintenance Organization

    Broad coverage directed by Primary Care

    • Requires primary care provider (PCP) assignment
    • No referrals for in-network specialists
    • Cost savings with limited coverage outside the plans network
    • Coverage for employees who reside in Michigan
    • Ideal for employers with in-state employees looking to manage medical costs
  • POS 

    Point of Service

    PCP-driven care without provider limitations

    • Requires primary care providers (PCP) assignment
    • No referrals for in-network specialists
    • Broad in-network coverage benefits with higher cost share for out-of-network access
    • Coverage for in- and out-of-state employees
    • Ideal for employers looking for flexible network benefits yet want the cost saving of an HMO
  • PPO

    Preferred Provider Organization

    Comprehensive coverage without provider limitations

    • No requirement to choose a primary care provider
    • No referrals for in-network specialists
    • Broad access to in-network and out-of-network providers; employees will have a higher cost share for out-of-network providers
    • Coverage for in and out-of-state employees
    • Ideal for employers with out-of-state employees or looking to expand operations out of Michigan

Get a more in-depth look at our plan options. Download the Large group solutions guide

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Featured solutions

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