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When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans typically require you to select a primary care physician (PCP) and obtain a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO stands for “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.

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Winter is a season that is loved by many. It is the time of year when families get to enjoy outdoor activities such as snow and ice-skating and indoor activities such as cooking or playing board games with family. But because the temperature outside is a little more frightful, it can make us need to think a little more creatively about what activities the kids in our lives might enjoy. We have you covered, here are 10 ways to keep children entertained and enriched even when the weather is not sunny Reno, we all know and love. 1. Ice Skating Enjoy the family fun of gliding and twirling around at The Ice Rink at Grand Sierra Resort or check out Reno Ice. Both ice rinks offer public skating sessions for all ages. 2. Movies Watching movies has always been a great activity. Check your local listings to find a theater convenient to your location. 3. Snow Play The Winter is a time that many people use to take advantage of all the snow and ice our area has to offer. People enjoy snowball fights and rolling downhills. It is a great time for kids to have fun in the snow with their friends. 4. Scrap-Booking Being crafty is a great way for the whole family to have fun. Scrapbooking can be done with most of the supplies lying around the house. 5. Write Letters to Our Troops Operation Gratitude sends letters from civilians thanking troops, veterans, and first responders for their service. Recipients say these letters, notes, and drawings are the most cherished items they receive all year. Check out Operation Gratitude for a downloadable guide on how to write a letter to a service member. 6. Nevada Museum of Art Channel your inner Picasso and have fun exploring your artistic side in this monthly HandsONatHome, a family fun experience with different projects and ideas inspired by the collection. Plan your visit. 7. Homemade Activities Create homemade playdough using a handful of ingredients in your pantry. It takes about 10 minutes to make and is sure to get their creativeness flowing. Here is an easy recipe to follow. 8. Cooking Cooking can be fun, especially when you can involve the kids. Pick a recipe that is fun and easy to make and pull the kids in for some help in the kitchen. 9. Discover The Discovery Museum The museum has over 10 permanent exhibitions and a calendar full of activities that families can explore throughout the year. Let's Discover!  10. Who’s Got Talent? This is an activity with so many possibilities, and it's great for all ages, including grown-ups. If you are working, the kids might put together a show and perform for you later. Or the whole family could show off their talents to visiting guests. Click here for ideas.

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