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Health Maintenance Organization (HMO): In an HMO plan, members choose a primary care physician (PCP) who coordinates all their healthcare needs. Referrals from the PCP are usually required to see specialists. Benefits: Lower out-of-pocket costs compared to other plans. Comprehensive coverage for preventive care services. Predictable copayments for office visits and prescriptions. Preferred Provider Organization (PPO): PPO plans offer more flexibility than HMOs. Members can visit any healthcare provider, but they receive greater coverage and lower out-of-pocket costs when they use in-network providers. Referrals are typically not required to see specialists. Benefits: Wide network of healthcare providers. No need for a PCP, allowing members to see specialists directly. Coverage for out-of-network care, albeit at a higher cost. Exclusive Provider Organiza...