Plan Decision Tool
Which Medical Plan Fits You Best?
Answer 3 quick questions to find your best match.
How often do you use healthcare?
What matters most?
Is doctor and hospital choice important to you?
HMO May Be a Good Fit
Best for lower paycheck cost and a simpler care experience.
This plan may fit you if you prefer predictable costs and are comfortable using in-network providers.
- Lower bi-weekly payroll deductions
- In-network care only
- Referrals may be required
- Nonstop Health helps reduce deductible exposure
Key idea: The HMO is usually the better financial choice if keeping paycheck costs lower matters most.
PPO May Be a Good Fit
Best for flexibility and provider choice.
This plan may fit you if you want more control over how and where you receive care.
- No referrals required
- In- and out-of-network access
- Greater provider flexibility
- Nonstop Health helps reduce deductible exposure
Key idea: The PPO may be worth the higher cost if flexibility and provider choice are important to you.