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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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Jason Farnsworth, Evan Fox and Jennifer Jenni are three of Renown’s more than 500 employees who currently serve, or who have served, in our miliary. Their deep-rooted passion for helping our community extends to the Nevada National Guard (NANG), an organization that shares many values with Renown. We sat down with Jason, Evan and Jenni to ask their perspective on what propels them to serve people in our home state and learn more about how Renown's partnership with the Nevada National Guard has supported their personal and professional growth. Meet Jason Farnsworth, the Face Behind Renown’s Partnership with the National Guard Jason Farnsworth is the Director of Respiratory Care Services at Renown and the Chief Master Sergeant, Medical Superintendent of the Nevada National Guard. He has been with the Guard and Renown for 23 years. Jason joined the Guard over 20 years ago to help pay for his college education. After using up his paid vacation time from Renown for Guard events like deployments or training in his initial years as a Guard member, Jason approached Renown senior leadership with the idea of paid military leave. “In full support of employees who choose to serve, Renown stepped up to give a resounding, ‘yes,’ as they have time and time again for our military community,” Jason said. From that day forward, policies were implemented at Renown to further support individuals who serve our country with paid military leave. As a result, Jason submitted an Employer Support of the Guard and Reserve (ESGR) Secretary of Defense Freedom Award nomination and Renown Health won the highest-level department of defense employer recognition in the nation. Since then, Jason has received four associate degrees, one bachelor’s degree and a master’s degree with the government’s support and has been promoted several times to his current roles at Renown and the Guard. “As I progressed at Renown, I was able to progress in the National Guard. They've complimented one another on leadership skills and clinical competencies.” How Evan Fox Finds Synergy in His Roles at Renown and the National Guard After five years as a cardiac intensive care unit (ICU) nurse at Renown Regional Medical Center and two years as a First Lieutenant Critical Care Nurse in the Guard, Evan Fox has implemented care plans for many community members and put his expertise to good use. The countless trauma hours he has completed at Renown have directly translated to the field as a Guard member. He states that “his roles are synergistic, and his innumerable hours of critical care are worth their weight in gold because of the transferability between the two positions.” Evan’s Roles Provide Service to Our Community, and Beyond Evan feels passionately that his experience with the Guard is unique because you live in the area that you serve, whereas with other military branches you are often stationed elsewhere. Recently, he’s cared for many people involved in firefighting missions in our surrounding areas. As a member of the medical group of the Nevada National Guard, Evan is prepared to provide critical care at any given moment in the event of deployment due to a natural or man-made disaster. He can provide critical care in our region and across the nation. How Jennifer’s Leadership Journey Continues to Grow Jennifer Jenni is the nurse manager of the cardiac ICU and intermediate care unit at Renown Regional Medical Center. She has been with Renown for 13 years and initially started at Renown South Meadows Medical Center in the general surgical unit. She felt compelled to take advantage of Renown’s development programs as she worked her way up to supervisor and now as a manager. She is also a registered nurse and captain in the Nevada National Guard as well as a member of an enhanced resource force team, equipped to provide aid anywhere in the nation in the event of a disaster. With Jennifer, People Always Come First Her dedication to serving people has always been a part of who she is, even before she became a leader. From an early age, Jennifer felt strongly that she wanted to be involved in the military in some way stating that “the Guard is very much a service to the people, whether it's our community or nationwide.” While her clinical leadership qualities and skills have translated well to her role as a captain, holding two leadership titles is no easy feat – especially when it comes to the continued training her roles require. However, because of the support Renown provides its military community, Jennifer was able to confidently attend officer training in Alabama last year. Jennifer was fully supported by her Renown team when she was away and took advantage of her paid military leave benefit. More Than Just a Partnership, but a Family Jason, Evan and Jennifer are among the many employees who choose to serve both here at Renown and in the Guard. You might see National Guard members who are also Renown employees in areas like the cardiac ICU, trauma ICU, emergency department or medics who work on hospital floors. “Not only is my family out at the National Guard, but they are also here at Renown. It’s amazing to see how many people spend their lives giving back,” Jason said.

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Medicaid plays a significant role in our health care system and is the nation’s public health insurance program. In addition, this program is the predominant source of long-term care coverage for Americans. Renown Health is contracted with two Medicaid plans: Molina and Anthem. If you currently have a different plan but want to change to one that Renown accepts, you can request to change plans during the open enrollment period from January 1 to March 31. Request to change your Medicaid plan in one of three ways: Request a change to your plan, or managed care organization (MCO), by reviewing the available MCO plans online at bit.ly/MCOPlansNV and filling out the form on the webpage. Email Nevada Medicaid to ask for a plan change and include your name, Medicaid ID and the names and Medicaid IDs of any dependents in your home: MCORedistribution@dhcfp.nv.gov. Call your local Medicaid district office at 775-687-1900 (northern Nevada) or 702-668-4200 (southern Nevada) to ask about changing your plan.  For more information about the Medicaid plans accepted at Renown Health, please visit: Anthem Molina Healthcare   Renown Health accepts most insurances, but please visit the link below for the full list. Click here for all accepted plans

Read More About 3 Ways to Switch to a Medicaid Plan Accepted at Renown