When shopping for a health plan, it is important to understand the differences between the types of health plans to select the one that best fits your needs.
There are 3 types of health plans offered on the Covered California health exchange:
The difference between these plans primarily comes down to the flexibility to choose providers when you need medical care.
|Need to designate a primary care physician?||Yes||No||No|
|Need a referral to see a specialist?||Yes||No||No|
|Is there an out of network benefit?||No||No||Yes|
|Level of flexibility||Low||Medium||High|