Cigna Oscar Banner Molina AnthemHealth Insurance Plans Available on the 2025 Marketplace

There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network. Here is an overview of the types of marketplace plans available to you.

Types of Marketplace plans

Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level – Bronze, Silver, Gold, and Platinum.

Some examples of plan types you’ll find in the Marketplace:

• Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
• Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
• Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
• Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

For more information about the different options visit www.healthcare.gov

There are pro’s and con’s for each option. It’s important to select the right option based on your needs. Contact us for guidance in selecting the right policy for you and your family. There is no cost to you for our help.

O'Neal Insurance Group a Medicare Health Insurance Agency! Las Vegas, Henderson, Summerlin, and North Las Vegas Nevada. Cigna Oscar Banner Molina AnthemHealth Insurance Plans Available on the 2025 Marketplace Our dedicated Medicare health insurance broker agency team treats every client like family, providing personalized insurance solutions with a warm smile. Whether you need is for free help understanding your healthcare options, education, guidance and explanation. Original Medicare, Part C and Part D, Medicare Advantage, HMO, PPO, Individual and Family Health Insurance, Dental, Critical Illness, Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna, Clover Health, Devoted Health, Essence HealthCare, GTL, Guarantee Trust Life Insurance Company, Humana, KCA, Kelsey Care Advantage, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, United Healthcare, Wellcare, Zing Health. We’re here to help protect what matters most to you. Join our community and experience the O'Neal Insurance Group difference today!