• Top Ten Topics
  • Choosing a Health Plan

Cost is not the only factor you should consider when selecting a health plan. Before making a choice, take some time to research how the plan works.

PPO vs. HMO

Make sure you know the differences between a PPO plan and an HMO plan. View a quick comparison chart.

Plan Service Areas

Find out which plans offer service to you based on the home zip code of the primary HSS member. Review your Benefits Guide or contact the plan.

Doctors and Hospitals

Determine which doctors, hospitals and other medical services that you and your family prefer.

Vendor Report Cards & Quality Ratings

Visit online resources that can assist you in your decision making process:

Medical Needs & Services Covered

Make sure you understand how your plan works by reviewing the benefits summary and Evidence of Coverage documents. Don’t wait until you need emergency care to educate yourself about plan details. Here are some common questions to consider when deciding which plan can best meet your particular needs:

  • Do you or a family member need to see medical specialists for a particular condition?
  • Will you or any family members be seeking mental health care?
  • Does someone in your family take regular prescription medication?
  • Are the doctors or medical facilities in a plan in a convenient location for you?
  • Will you need prior approval to ensure coverage for care if you are hospitalized or require surgery?
  • How are benefits paid?

Plan Costs

Finally, review your Benefits Guide to compare your contribution costs for each available medical plan.