health insurance

What are the Types of Health Insurance Plans for Businesses?

There are several types of health insurance plans that businesses can offer:
Health Maintenance Organization (HMO): Requires employees to use a network of doctors and hospitals.
Preferred Provider Organization (PPO): Offers more flexibility in choosing healthcare providers but at a higher cost.
Exclusive Provider Organization (EPO): Similar to HMOs but typically do not require referrals for specialist care.
Point of Service (POS): Combines features of HMOs and PPOs; employees need a primary care physician for referrals but can see out-of-network providers at higher costs.

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