Carson Health Advising
Services We Offer
Helping individuals and families protect what matters most with clear guidance and personalized coverage options.
Plan Options
Find Coverage That Fits Your Needs
- Health plans including HMO, EPO, PPO, and POS
- Dental and vision coverage options
- Supplemental insurance plans for added protection
- Group insurance solutions
- Coverage options for entrepreneurs and small businesses
We’ll walk you through the differences and help you choose coverage that makes sense for your situation.
HMO Plans
HMO plans are designed for individuals and families who want predictable costs and coordinated care. These plans focus on in-network providers and typically require you to choose a primary care physician who helps manage your healthcare needs.
They’re a strong option if you’re comfortable staying within a network and want lower monthly premiums with simpler billing.
This plan may be a good fit if you:
- Want lower monthly premiums and predictable out-of-pocket costs
- Are comfortable using a primary care physician for referrals
- Don’t expect to need frequent out-of-network care.
EPO Plans
EPO plans offer a balance between cost and flexibility by giving you access to a network of providers without requiring a primary care physician referral. You’ll typically need to stay in-network for coverage (except emergencies), but you can often see specialists directly.
They’re a strong option if you want lower premiums than many PPO plans and like the convenience of skipping referral requirements.
This plan may be a good fit if you:
- Want to see specialists without needing referrals
- Prefer lower monthly premiums but can stay in-network
- Don’t expect to need frequent out-of-network care.
PPO Plans
PPO plans provide the most flexibility when choosing providers. You can typically see specialists without referrals and you may have partial coverage for out-of-network care, depending on the plan details.
They’re a great option if you value freedom of choice, travel often, or want broader provider access—even if the monthly premium is higher.
This plan may be a good fit if you:
- Want maximum flexibility in choosing doctors
- Travel often or want access outside your local network
- Prefer out-of-network coverage options (even if it costs more)
POS Plans
POS plans combine features of HMO and PPO coverage. You’ll usually choose a primary care physician, but you may have the option to go out-of-network for certain services with a referral and higher out-of-pocket costs.
They can be a good middle-ground if you want structured care coordination but still want occasional out-of-network flexibility.
This plan may be a good fit if you:
- Like having a primary doctor coordinate care
- Want some out-of-network options when needed
- Prefer a middle-ground between cost and flexibility
Ready to Get Started?
Get in touch today to discuss your coverage needs and receive a personalized insurance quote.