A HMO plan gives you more predictable costs but less flexibility since all care must be received within the HPN network.

Here is a summary of the key plan features:

• You must choose a primary care physician (PCP) from Health Plan of Nevada’s HMO provider directory to manage routine care, referrals, and hospital stays.
• The plan offers in-network preventive care and virtual care through NowClinic® at no cost to you.
• There is no deductible to meet before your plan shares in the cost of care.
• You will pay predictable copays for most services and prescriptions.
• Out-of-network care isn’t covered except in the case of an emergency.

This PPO plan has contracts with the SHL network of physicians and other medical professionals from which you can select your provider.

Here is a summary of the key plan features:

• You do not need to select a primary care physician.

• You do not need referrals from a physician to see other providers in the network.

• The plan offers in-network preventive care and virtual care through NowClinic® at no cost to you.

• If you receive in-network care, you will only pay for copays, deductible, and/or coinsurance.

• if you receive out-of-network care, you will pay a higher amount. In some cases, you will need to pay directly and file a claim to receive reimbursement.

This is a High Deductible Health Plan (HDHP) with in- and out-of-network coverage. There is one notable difference between the HDHP and a traditional PPO plan: the deductible is higher and you must pay the deductible before the plan pays benefits for most services.

‍Here is a summary of the key plan features:

• Your payroll contributions are lower compared to the PPO medical plan.

• The plan offers in-network preventive care and virtual care through NowClinic® at no cost to you.

• You will have access to a Health Savings Account (HSA) and the option to contribute pre-tax funds to lower your taxable income and save for future
  health expenses.

• We contribute money to your HSA – up to$750 for individual coverage and up to $1,500 for teammate + dependent(s).The amount we contribute is pro-rated throughout the year based on your date of hire.