Plan/Standard Plan Features Indemnity HMO POS PPO CDHP
Contracts with Network of Providers NA X X X X
Provides Benefits Outside of Network NA   X X X
Must Choose a Primary Care Doctor NA X X    
Requires Referral to Specialist NA X X    
Deductible X   X* X X
Coinsurance X   X* X X
Copay NA X X X X
* - Subject to PPO feature of plan