The CalPERS website can help you understand and select the best health plan for your needs.
Before you begin, it's important to understand the different plans and terminology:
HMO - Health Maintenance Organization
Requires you to receive care through a network of providers. You must select a primary care physician, who is responsible for coordinating your health care, including referrals to specialists.
PPO - Preferred Provider Organization
Lets you choose from a network of preferred providers. A primary care physician is not required and no referrals are necessary for other in-network providers. You pay more to use an out-of-network provider.
EPO - Exclusive Provider Organization
Offers in-network coverage only. You must select in-network providers when seeking medical care, but a primary care physician and referrals are not required.