Health Net of California Www Opm Form

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Welcome to Health Net 101. Your resource for health coverage information. Today's subject: Health Plan Types and Networks. The Difference Between In-Network and Out-of-Network. First, let's explain what a network is. A network is a group of doctors, specialists, labs, pharmacies and hospitals. It's sometimes called a provider network. Health care coverage companies have a network of health care providers that offer health care services covered by your health plan. If you are part of an HMO, you have to use the HMO provider Network for all services. If you have a PPO, you can choose to go to the PPO provider network or to a doctor who is not in the network. But you'll usually pay less for the services when you use the PPO network. Let's take a closer look. Anna has an HMO health plan. It comes with a specific network of providers. She first picks a primary care physician—called a PCP—from the HMO network. For her medical care, Anna first sees her PCP, who helps determine if Anna n