Health Maintenance Organizations can limit coverage to providers inside their networks. These networks are comprised of doctors, hospitals, and other types of health care professionals that provide medical care to members of a specific plan. If you were to use a doctor outside of their network, then you may have to pay full costs. Preferred Provider Organizations give you a choice of getting care within or outside of your provider’s networks. With this type of plan you can use services outside your network, but you will have to pay more than one that is inside the network. With a PPO you can visit any doctor without a referral. For either type of insurance, look no further than C & W Premier Insurance Agency!