Preferred Provider Organization
PPO insurance coverage offers a specific level of coverage for in-network and out-of-network health care providers. That said, you’ll always get the best deal by opting for an in-network facility.
Health Maintenance Organization
With a HMO insurance plan, you’ll need to find in-network facilities and choose the one you like best. In-network means the insurance and rehab facility have a contract and clients can only access coverage for addiction services from treatment facilities with such a contract in place.
Point of Service
A POS plan is flexible in the same way a PPO plan is, so you can access some level of coverage from out-of-network facilities. However, like an HMO plan, you usually need to get a referral from your primary care doctor before getting approved by your insurance provider.