Many people get health insurance and do not understand the terms.  You get a plan but is it a PPO or HMO or POS or EPO

PPO – Preferred Provider Organization  You can choose your own doctors. It covers out-of-network providers less than network providers.

HMO – Health Maintenance Organization   You are required to pick a primary care doctor and that doctor will refer you to see specialists. Does not cover out of network unless it is an emergency.

POS – Point of Service  You are required to pick a primary care doctor and get referrals for specialists. There is limited coverage for out-of-network providers.

 EPO – Exclusive Provider Organization  You can choose your own specialist but does not cover out-of-network providers unless it is an emergency.

You also have deductibles, co-pays and co-insurance.  This is explained in a short video

You also have many choices when it come to health insurance. Most people have a plan from the ACA, Affortable Care Act, marketplace. You could also choose a short term medical. There are advantages and disadvantages to these types of policies.  There are infinity plans and  MEC plans.

You can see these types of plans and read about them right here

So you see health insurance is a bit confusing but that it is very wise to get an insurance agent that you trust.