Private browser worksheet
Plan type decision record
Use these questions to narrow what must be verified. The worksheet does not choose a plan, submit entries, or replace the exact plan documents.
Plan labels
Use labels to ask better questions
| Type | Common starting pattern | Verify in the exact plan |
|---|---|---|
| HMO | Defined network and primary-care coordination | PCP selection, referrals, service area, emergency exceptions |
| PPO | Preferred network with possible outside-network benefits | Separate deductible, coinsurance, balance billing, and limits |
| EPO | Participating network with limited non-emergency outside care | Referral rules, network depth, travel, and emergency terms |
| POS | Primary-care coordination with possible outside-network pathway | Referral records, outside-network rules, and cost sharing |
Write down the household priorities
Entries stay in this browser page and are not submitted by the provided site code.
Next step
Convert each priority into evidence
- Search the exact plan directory, not the carrier name alone.
- Read the referral and authorization terms in the plan document.
- Keep emergency rules separate from planned outside-network care.
- Compare premium and cost sharing only after access requirements are checked.
- Record unresolved questions and obtain a dated answer.
- Repeat the checks when the plan year or household situation changes.
Verification links
Primary sources
Sources checked September 3, 2026. Verify live plan, eligibility, and enrollment details with the responsible official source.