Welcome to Health Plan of Nevada. We're glad you're here.
As a member, you either have a Health Maintenance Organization (HMO) plan or a Point-of-Service (POS) plan. What's the difference between the two plans? Let's take a closer look.
HMO plan explained.
Easier on the wallet, HMO plans are designed to save you money on out-of-pocket costs. In exchange, HMO members are required to choose a primary care provider (PCP) and stay within a network of providers, urgent cares, and hospitals to receive coverage under the plan.
To have a specialist visit covered, you must see your primary care provider (PCP) for an initial exam. Then he/she will give you a referral to a specialist for a more thorough diagnosis, if needed.
POS plan explained.
POS plans are designed to offer the most flexibility.