Sherri Kelley Insurance Advisor can help you find the best plan for your needs. Health plans commonly include HMOs, PPOs, and EPO plans.

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HMOs are Health Management Organizations. With these plans, you have a primary care doctor and see providers that are in-network. If the health service is not in-network, you pay the full cost. You also need a referral to see a specialist. Network doesn’t matter for emergency care, out-of-area urgent care, or out-of-area dialysis. PPOs are Preferred Provider Organizations. These plans do not require a primary care doctor or referrals to see specialists, but out-of-network providers will be more costly.

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EPO plans are Exclusive Provider Organizations. These are managed care plans that are similar to both HMO and PPOs. With an EPO plan, you do not need a referral to see a specialist, but you can only receive coverage for out-of-network services if it is an emergency. For some EPO plans, a primary care provider may or may not be required.

Healthcare A Better Way

That's our mission

Say goodbye to expensive plans, high out-of-pocket costs, lack of care coordination, and limited access to doctors and say hello to Align Health.  We bring a new kind of healthcare solution to the market that puts our members in the driver’s seat.

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The Marketplace doesn't quite fit your needs? From Individuals and Families, to Businesses and Trade Groups & Associations; Align Health could be the peace of mind you are looking for.