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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.

Read More About Health Insurance Terms Explained: HMO, EPO and PPO Plans

Giving back to the community is important to Rebecca Dickson. For over 35 years, she’s been unwavering in her support of Renown Health and Reno’s non-profit community. Hearing that she’s made a difference in someone’s life feels good. But for Rebecca, the greater reward is something more personal. “Giving back is a way of life,” Rebecca said, “that’s what you do.” Inspired by her parents, the act of generosity was instilled in her from a young age. Growing up, Rebecca remembers her mother’s thoughtful generosity with others. It was her mother, Fianna Dickson Combs, who inspired and helped plan Fianna’s Healing Garden in the heart of the Renown Regional Medical Center campus. The garden is Fianna’s legacy and gift to those in need of comforting, healing and quiet contemplation. Walking through the garden, Rebecca points out the fountain. She talks about choosing it for its calming sound. Birds chirp on the trees overhead. The space is beautiful; it’s tranquil and comforting. Fianna’s Healing Garden was completed in 2009. In 2020, to celebrate the tenth anniversary of the garden, Rebecca and her uncle, Harvey Fennell, led an expansion project to grow the space. Inside the garden, there are pathways, benches, sculptures, fountains and over 2,000 plants and trees. Roses are life “The rose garden is special,” said Rebecca. It was carefully curated in honor of Fianna and her sisters to create a peaceful space for reflection. There are 21 roses of differing sizes and colors. “The roses should be experiential. The fragrance, the colors; they are life with good days and bad. Fianna was a master gardener and felt that gardens tend to the mind, body and soul,” says Rebecca. Honoring Fianna’s Legacy Throughout the hottest days of summer, Rebecca and her partner, David Geddes, visit the garden. They maintain the roses, removing damaged branches and pruning them. “It’s not work,” says Rebecca, “it’s a joyful opportunity that makes us feel good.” Being in the garden reminds Rebecca of her mother and the need for healing gardens in healthcare. When her mother was in the hospital, her doctor encouraged her to get outside and into nature. At the time, Renown didn’t have an outdoor garden space. From then on, it was Fianna’s mission to create a healing garden for patients, caregivers and visitors. Nature reduces stress and anxiety. It also provides comfort and distraction. Healing gardens offer spiritual and healing benefits, and they’ve been proven to improve health outcomes. Before Fianna passed, her plans for at healing garden at Renown were already underway. Making an Impact Rebecca is a lifelong philanthropist. She serves on countless boards, volunteering her time to give back to the community. She currently sits on Renown Health Foundation’s Board. Through her volunteer work, Rebecca not only gets to experience the joy of helping others first-hand, but she also gets an inside view of how non-profits operate and what they need most. That information helps her decide how to direct her support in the most impactful way. Rebecca receives cards and phone calls thanking her for Fianna’s Healing Garden and the comfort it provides. But Rebecca insists that she’s not to thank. Rebecca remembers every person who has supported the garden. Fianna’s Healing Garden is donor-funded, and would not be possible without the support of the community, her uncle, Harvey Fennell, Fianna’s closest friends, Renown physicians and employees, Renown Health Foundation and countless community foundations and local donors. She says, “The garden is a collaborative project. It takes a village to build and maintain, but it’s worth it!” From all of us at Renown, thank you, Rebecca, for your inspiration and dedication to Renown! Fianna’s Healing Garden is located at Renown Regional Medical Center and is open for all to experience the healing power of nature. Click here to take a virtual tour of the garden. Renown Health Foundation’s Why I Give series recognizes donors, volunteers, corporations, foundations and others who provide philanthropic support to Renown. We are fortunate to have generous donors whose funding helps support and expand our efforts to meet the growing needs of the communities we serve. To learn more about how you can support Renown, please email foundation@renown.org or call 775-982-5545.

Read More About Why I Give: Rebecca's Story