KEY WORDS AND PHRASES Getting the Health Care You Need Different plans have different rules about how you can get the health care you need and still have your plan cover your medical costs. You should know these rules to make sure you get the bene昀椀t of your plan’s coverage and save money. Provider Network The doctors and other health care providers who have agreed to work with your health insurance company. Different kinds of plans have different rules about their provider networks. Most will require higher out-of-pocket costs if you go outside their network, and some won’t cover any care outside of their network at all. There are two types of provider networks: „ Preferred Provider Organizations (PPOs) and Point of Service (POS) plans „ Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs) Preferred Provider Organizations (PPOs) and + Point of Service (POS) Plans Plans that usually cover some of the cost of services you get outside their preferred provider network. However, you will probably have to pay higher deductibles and/or copayments or co-insurance if you go outside the network.