DR. MICHAEL JOSEPH YAROS MD
Accepted Insurance for NPI 1154327708
Ophthalmology in Runnemede, NJ

Active since June 28, 2005PECOS Enrolled
75/100
CMS Quality Rating
619 W CLEMENTS BRIDGE RD, RUNNEMEDE, NJ 08078(856) 939-9111 Get Directions

NPPES record last updated: October 5, 2011. Verified against the NPPES registry weekly; last sync: July 26, 2026.

Accepted Insurance & Health Plans Health Insurance Marketplace

Marketplace plan participation on file for this provider · 2026 plan year

DR. MICHAEL JOSEPH YAROS MD, a ophthalmology provider in Runnemede, NJ, is listed as in-network for 781 health insurance plans from 8 insurance companies, led by Blue Cross and Blue Shield of Texas, Blue Cross and Blue Shield of Oklahoma and Blue Cross and Blue Shield of Montana. This list is compiled from the CMS Health Insurance Marketplace public use files for the 2026 plan year.

Verify before you schedule: insurance networks change throughout the plan year. Confirm coverage directly with your insurance company or this practice’s billing office before booking an appointment.
8
Insurance Companies
781
Plan Options
4
Network Types
Blue Cross and Blue Shield of Texas
Largest Network · 25 plans
View plans
121 plans · 781 plan IDs · 2026 plan year

Ambetter Health

16 plans · Individual market · listed as Preferred

Complete Gold + Vision + Adult Dental

GoldHMOIowa
Plan ID48286IA0020015

Complete Gold

GoldHMOIowa
Plan ID48286IA0010015

Elite Bronze + Vision + Adult Dental

BronzeHMOIowa
Plan ID48286IA0020013

Elite Bronze

BronzeHMOIowa
Plan ID48286IA0010013

Everyday Bronze + Vision + Adult Dental

BronzeHMOIowa
Plan ID48286IA0020012

Everyday Bronze

BronzeHMOIowa
Plan ID48286IA0010012

Everyday Gold + Vision + Adult Dental

GoldHMOIowa
Plan ID48286IA0020016

Everyday Gold

GoldHMOIowa
Plan ID48286IA0010016

Focused Silver + Vision + Adult Dental

SilverHMOIowa
Plan ID48286IA0020019

Focused Silver

SilverHMOIowa
Plan ID48286IA0010019

Standard Expanded Bronze + Vision + Adult Dental

BronzeHMOIowa
Plan ID48286IA0020014

Standard Expanded Bronze

BronzeHMOIowa
Plan ID48286IA0010014

Standard Gold + Vision + Adult Dental

GoldHMOIowa
Plan ID48286IA0020017

Standard Gold

GoldHMOIowa
Plan ID48286IA0010017

Standard Silver + Vision + Adult Dental

SilverHMOIowa
Plan ID48286IA0020023

Standard Silver

SilverHMOIowa
Plan ID48286IA0010020

Ambetter Health of Delaware

17 plans · Individual market · listed as Preferred

Clear Gold + Vision + Adult Dental

GoldEPODelaware
Plan ID64004DE0100011

Clear Gold

GoldEPODelaware
Plan ID64004DE0090011

Complete Gold + Vision + Adult Dental

GoldEPODelaware
Plan ID64004DE0100009

Complete Gold

GoldEPODelaware
Plan ID64004DE0090009

Elite Silver + Vision + Adult Dental

SilverEPODelaware
Plan ID64004DE0100013

Elite Silver

SilverEPODelaware
Plan ID64004DE0090013

Everyday Bronze + Vision + Adult Dental

BronzeEPODelaware
Plan ID64004DE0100002

Everyday Bronze

BronzeEPODelaware
Plan ID64004DE0090002

Focused Silver + Vision + Adult Dental

SilverEPODelaware
Plan ID64004DE0100007

Focused Silver

SilverEPODelaware
Plan ID64004DE0090007

Principal Bronze HSA + Vision + Adult Dental

BronzeEPODelaware
Plan ID64004DE0100001

Principal Bronze HSA

BronzeEPODelaware
Plan ID64004DE0090001

Standard Expanded Bronze + Vision + Adult Dental

BronzeEPODelaware
Plan ID64004DE0100004

Standard Expanded Bronze

BronzeEPODelaware
Plan ID64004DE0090004

Standard Gold + Vision + Adult Dental

GoldEPODelaware
Plan ID64004DE0100012

Standard Gold

GoldEPODelaware
Plan ID64004DE0090012

Standard Silver

SilverEPODelaware
Plan ID64004DE0090008

Blue Cross Blue Shield of Wyoming

11 plans · Individual market · listed as Allowed

BlueSelect Bronze Basic

BronzePPOWyoming
Plan ID11269WY0070026

BlueSelect Bronze Core

BronzePPOWyoming
Plan ID11269WY0070004

BlueSelect Expanded Bronze Standard without Kid's Dental

BronzePPOWyoming
Plan ID11269WY0170020

BlueSelect Gold Core

GoldPPOWyoming
Plan ID11269WY0070025

BlueSelect Gold HealthPlus

GoldPPOWyoming
Plan ID11269WY0070013

BlueSelect Gold Standard without Kid's Dental

GoldPPOWyoming
Plan ID11269WY0170017

BlueSelect Silver Classic without Kid's Dental

SilverPPOWyoming
Plan ID11269WY0170016

BlueSelect Silver Classic

SilverPPOWyoming
Plan ID11269WY0070014

BlueSelect Silver HealthPlus without Kid's Dental

SilverPPOWyoming
Plan ID11269WY0170021

BlueSelect Silver HealthPlus

SilverPPOWyoming
Plan ID11269WY0070016

BlueSelect Silver Standard without Kid's Dental

SilverPPOWyoming
Plan ID11269WY0170018

Blue Cross and Blue Shield of Louisiana

8 plans · Individual market · listed as Not Applicable

Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligible

PPOLouisiana
Plan ID97176LA0340017

Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits

PPOLouisiana
Plan ID97176LA0340015

Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits

PPOLouisiana
Plan ID97176LA0340010

Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible

PPOLouisiana
Plan ID97176LA0340024

Blue Max Copay (PCP) 60/40 $6000 Standardized

PPOLouisiana
Plan ID97176LA0340023

Blue Max Copay (PCP) 75/55 $2000 Standardized

PPOLouisiana
Plan ID97176LA0340022

Blue Saver 60/40 $6100

PPOLouisiana
Plan ID97176LA0350004

Blue Saver 90/70 $3400

PPOLouisiana
Plan ID97176LA0350003

Blue Cross and Blue Shield of Montana

19 plans · Individual market · listed as Preferred

Blue Focus Bronze POS? 205

BronzePOSMontana
Plan IDs30751MT067000330751MT067001230751MT0670013

Blue Focus Bronze POS? 705

BronzePOSMontana
Plan IDs30751MT067000630751MT067001630751MT0670017

Blue Focus Bronze POS? Standard

BronzePOSMontana
Plan IDs30751MT067000930751MT067001830751MT0670019

Blue Focus Gold POS? 207

GoldPOSMontana
Plan IDs30751MT067000130751MT067002030751MT0670021

Blue Focus Gold POS? 902

GoldPOSMontana
Plan IDs30751MT067003130751MT067003430751MT0670035

Blue Focus Gold POS? Standard

GoldPOSMontana
Plan IDs30751MT067000730751MT067002230751MT0670023

Blue Focus Silver POS? 206

SilverPOSMontana
Plan IDs30751MT067000230751MT067002430751MT0670025

Blue Focus Silver POS? 903

SilverPOSMontana
Plan IDs30751MT067003030751MT067003230751MT0670033

Blue Focus Silver POS? Standard

SilverPOSMontana
Plan IDs30751MT067000830751MT067002830751MT0670029

Blue Preferred Bronze PPO? 201

BronzePPOMontana
Plan IDs30751MT055004030751MT055004930751MT055005030751MT0550051

Blue Preferred Bronze PPO? 202

BronzePPOMontana
Plan IDs30751MT055004130751MT055005230751MT055005330751MT0550054

Blue Preferred Bronze PPO? Standard

BronzePPOMontana
Plan IDs30751MT055009230751MT055009330751MT055010030751MT0550101

Blue Preferred Gold PPO? 204

GoldPPOMontana
Plan IDs30751MT055003830751MT055004330751MT055004430751MT0550045

Blue Preferred Gold PPO? 901

GoldPPOMontana
Plan IDs30751MT055010230751MT055010330751MT055010430751MT0550105

Blue Preferred Gold PPO? Standard

GoldPPOMontana
Plan IDs30751MT055008630751MT055008930751MT055009430751MT0550095

Blue Preferred Security PPO? 200

PPOMontana
Plan IDs30751MT055004230751MT055005530751MT055005630751MT0550057

Blue Preferred Silver PPO? 203

SilverPPOMontana
Plan IDs30751MT055003930751MT055004630751MT055004730751MT0550048

Blue Preferred Silver PPO? 308

SilverPPOMontana
Plan IDs30751MT055006130751MT055007130751MT055007230751MT0550073

Blue Preferred Silver PPO? Standard

SilverPPOMontana
Plan IDs30751MT055008730751MT055009030751MT055009630751MT0550097

Blue Cross and Blue Shield of Oklahoma

22 plans · Individual market · listed as Preferred

Blue Advantage Bronze PPO? 202

BronzePPOOklahoma
Plan IDs87571OK035007087571OK035009187571OK035009287571OK035009387571OK0350094

Blue Advantage Bronze PPO? 203

BronzePPOOklahoma
Plan IDs87571OK035006887571OK035008387571OK035008487571OK035008587571OK0350086

Blue Advantage Bronze PPO? Standard

BronzePPOOklahoma
Plan IDs87571OK035017687571OK035021987571OK035022087571OK035022187571OK0350222

Blue Advantage Gold PPO? 309

GoldPPOOklahoma
Plan IDs87571OK035009787571OK035010687571OK035010787571OK035010887571OK0350109

Blue Advantage Gold PPO? 604

GoldPPOOklahoma
Plan IDs87571OK035011887571OK035012787571OK035012887571OK035012987571OK0350130

Blue Advantage Gold PPO? Standard

GoldPPOOklahoma
Plan IDs87571OK035017887571OK035022787571OK035022887571OK035022987571OK0350230

Blue Advantage Silver PPO? 204

SilverPPOOklahoma
Plan IDs87571OK035006987571OK035008787571OK035008887571OK035008987571OK0350090

Blue Advantage Silver PPO? 501

SilverPPOOklahoma
Plan IDs87571OK035011587571OK035023987571OK035024087571OK035024187571OK0350242

Blue Advantage Silver PPO? Standard

SilverPPOOklahoma
Plan IDs87571OK035017787571OK035022387571OK035022487571OK035022587571OK0350226

Blue Preferred Bronze PPO? Standard

BronzePPOOklahoma
Plan IDs87571OK035017387571OK035019187571OK035019287571OK035019387571OK0350194

Blue Preferred Gold PPO? Standard

GoldPPOOklahoma
Plan IDs87571OK035017187571OK035019987571OK035020087571OK035020187571OK0350202

Blue Preferred Security PPO? 200

PPOOklahoma
Plan IDs87571OK035016587571OK035020387571OK035020487571OK035020587571OK0350206

Blue Preferred Silver PPO? Standard

SilverPPOOklahoma
Plan IDs87571OK035017287571OK035021587571OK035021687571OK035021787571OK0350218

MyBlue Bronze HMO? 902

BronzeHMOOklahoma
Plan IDs87571OK051008187571OK051008287571OK0510083

MyBlue Bronze HMO? 904

BronzeHMOOklahoma
Plan IDs87571OK051008487571OK051008587571OK0510086

MyBlue Bronze HMO? Standard

BronzeHMOOklahoma
Plan IDs87571OK051007887571OK051007987571OK0510080

MyBlue Gold HMO? 704

GoldHMOOklahoma
Plan IDs87571OK051005787571OK051006087571OK0510093

MyBlue Gold HMO? 804

GoldHMOOklahoma
Plan IDs87571OK051007187571OK051007387571OK0510103

MyBlue Gold HMO? Standard

GoldHMOOklahoma
Plan IDs87571OK051006387571OK051006687571OK0510095

MyBlue Silver HMO? 705

SilverHMOOklahoma
Plan IDs87571OK051005887571OK051006187571OK0510097

MyBlue Silver HMO? 803

SilverHMOOklahoma
Plan IDs87571OK051007087571OK051007287571OK0510101

MyBlue Silver HMO? Standard

SilverHMOOklahoma
Plan IDs87571OK051006487571OK051006787571OK0510099

Blue Cross and Blue Shield of Texas

25 plans · Individual market · listed as Preferred

Blue Advantage Bronze HMO? 204

BronzeHMOTexas
Plan IDs33602TX046055433602TX046070533602TX046070633602TX046070733602TX046070833602TX046070933602TX046071033602TX046071133602TX046071233602TX046071333602TX046071433602TX046071533602TX046071633602TX046071733602TX046071833602TX046071933602TX046072133602TX046072233602TX046072333602TX046072433602TX046072533602TX046072633602TX046072733602TX046072833602TX046086933602TX046107333602TX0461074

Blue Advantage Bronze HMO? 301

BronzeHMOTexas
Plan IDs33602TX046078233602TX046078333602TX046078733602TX046079233602TX046079333602TX046079433602TX046079533602TX046079733602TX046079933602TX046080133602TX046080233602TX046080333602TX046080433602TX0460806

Blue Advantage Bronze HMO? Standard

BronzeHMOTexas
Plan IDs33602TX046103333602TX046103433602TX046103533602TX046103633602TX046103733602TX046103833602TX046103933602TX046104033602TX046104133602TX046104233602TX046104333602TX046104433602TX046104533602TX046104633602TX046104733602TX046104833602TX046104933602TX046105033602TX046105133602TX046105233602TX046105333602TX046105433602TX046105533602TX046105633602TX046105733602TX046105833602TX0461079

Blue Advantage Gold HMO? 206

GoldHMOTexas
Plan IDs33602TX046054833602TX046055533602TX046055633602TX046055733602TX046055833602TX046055933602TX046056033602TX046056133602TX046056233602TX046056333602TX046056433602TX046056533602TX046056633602TX046056733602TX046056833602TX046056933602TX046057133602TX046057233602TX046057333602TX046057433602TX046057533602TX046057633602TX046057733602TX046057833602TX046086333602TX046106133602TX0461062

Blue Advantage Gold HMO? 603

GoldHMOTexas
Plan IDs33602TX046080933602TX046081433602TX046081933602TX046082033602TX046082133602TX046082233602TX046082433602TX046082633602TX046082833602TX046082933602TX046083033602TX046083133602TX046083333602TX0460860

Blue Advantage Gold HMO? Standard

GoldHMOTexas
Plan IDs33602TX046092533602TX046092833602TX046092933602TX046093033602TX046093133602TX046093233602TX046093333602TX046093433602TX046093533602TX046093633602TX046093733602TX046093833602TX046093933602TX046094033602TX046094133602TX046094233602TX046094333602TX046094433602TX046094533602TX046094633602TX046094733602TX046094833602TX046094933602TX046095033602TX046095133602TX046095233602TX0460953

Blue Advantage Plus Bronze? 303

BronzePOSTexas
Plan IDs33602TX087000233602TX087003833602TX087003933602TX087004033602TX087004133602TX087004233602TX087004333602TX087004433602TX087004533602TX087004633602TX087004733602TX087004833602TX087004933602TX087005033602TX087005133602TX087005233602TX087005333602TX087005433602TX087005533602TX087005633602TX087005733602TX087005833602TX087005933602TX087006033602TX087006133602TX087006233602TX0870063

Blue Advantage Plus Bronze? 305

BronzePOSTexas
Plan IDs33602TX087000333602TX087006433602TX087006533602TX087006633602TX087006733602TX087006833602TX087006933602TX087007033602TX087007133602TX087007233602TX087007333602TX087007433602TX087007533602TX087007633602TX087007733602TX087007833602TX087007933602TX087008033602TX087008133602TX087008233602TX087008333602TX087008433602TX087008533602TX087008633602TX087008733602TX087008833602TX0870089

Blue Advantage Plus Bronze? Standard

BronzePOSTexas
Plan IDs33602TX087000433602TX087009033602TX087009133602TX087009233602TX087009333602TX087009433602TX087009533602TX087009633602TX087009733602TX087009833602TX087009933602TX087010033602TX087010133602TX087010233602TX087010333602TX087010433602TX087010533602TX087010633602TX087010733602TX087010833602TX087010933602TX087011033602TX087011133602TX087011233602TX087011333602TX087011433602TX0870115

Blue Advantage Plus Gold? 203

GoldPOSTexas
Plan IDs33602TX087000533602TX087011633602TX087011733602TX087011833602TX087011933602TX087012033602TX087012133602TX087012233602TX087012333602TX087012433602TX087012533602TX087012633602TX087012733602TX087012833602TX087012933602TX087013033602TX087013133602TX087013233602TX087013333602TX087013433602TX087013533602TX087013633602TX087013733602TX087013833602TX087013933602TX087014033602TX0870141

Blue Advantage Plus Gold? 803

GoldPOSTexas
Plan IDs33602TX087001133602TX087027233602TX087027333602TX087027433602TX087027533602TX087027633602TX087027733602TX087027833602TX087027933602TX087028033602TX087028133602TX087028233602TX087028333602TX087028433602TX087028533602TX087028633602TX087028733602TX087028833602TX087028933602TX087029033602TX087029133602TX087029233602TX087029333602TX087029433602TX087029533602TX087029633602TX0870297

Blue Advantage Plus Gold? Standard

GoldPOSTexas
Plan IDs33602TX087000633602TX087014233602TX087014333602TX087014433602TX087014533602TX087014633602TX087014733602TX087014833602TX087014933602TX087015033602TX087015133602TX087015233602TX087015333602TX087015433602TX087015533602TX087015633602TX087015733602TX087015833602TX087015933602TX087016033602TX087016133602TX087016233602TX087016333602TX087016433602TX087016533602TX087016633602TX0870167

Blue Advantage Plus Silver? 202

SilverPOSTexas
Plan IDs33602TX087000733602TX087016833602TX087016933602TX087017033602TX087017133602TX087017233602TX087017333602TX087017433602TX087017533602TX087017633602TX087017733602TX087017833602TX087017933602TX087018033602TX087018133602TX087018233602TX087018333602TX087018433602TX087018533602TX087018633602TX087018733602TX087018833602TX087018933602TX087019033602TX087019133602TX087019233602TX0870193

Blue Advantage Plus Silver? 605

SilverPOSTexas
Plan IDs33602TX087000933602TX087022033602TX087022133602TX087022233602TX087022333602TX087022433602TX087022533602TX087022633602TX087022733602TX087022833602TX087022933602TX087023033602TX087023133602TX087023233602TX087023333602TX087023433602TX087023533602TX087023633602TX087023733602TX087023833602TX087023933602TX087024033602TX087024133602TX087024233602TX087024333602TX087024433602TX0870245

Blue Advantage Plus Silver? Standard

SilverPOSTexas
Plan IDs33602TX087001033602TX087024633602TX087024733602TX087024833602TX087024933602TX087025033602TX087025133602TX087025233602TX087025333602TX087025433602TX087025533602TX087025633602TX087025733602TX087025833602TX087025933602TX087026033602TX087026133602TX087026233602TX087026333602TX087026433602TX087026533602TX087026633602TX087026733602TX087026833602TX087026933602TX087027033602TX0870271

Blue Advantage Security HMO? 200

HMOTexas
Plan IDs33602TX046055233602TX046065533602TX046065633602TX046065733602TX046065833602TX046065933602TX046066033602TX046066133602TX046066233602TX046066333602TX046066433602TX046066533602TX046066633602TX046066733602TX046066833602TX046066933602TX046067133602TX046067233602TX046067333602TX046067433602TX046067533602TX046067633602TX046067733602TX046067833602TX046087233602TX046107733602TX0461078

Blue Advantage Silver HMO? 205

SilverHMOTexas
Plan IDs33602TX046055333602TX046068033602TX046068133602TX046068233602TX046068333602TX046068433602TX046068533602TX046068633602TX046068733602TX046068833602TX046068933602TX046069033602TX046069133602TX046069233602TX046069333602TX046069433602TX046069633602TX046069733602TX046069833602TX046069933602TX046070033602TX046070133602TX046070233602TX046070333602TX046086733602TX046106933602TX0461070

Blue Advantage Silver HMO? 801

SilverHMOTexas
Plan IDs33602TX046108333602TX046109033602TX046109433602TX046109933602TX046110033602TX046110133602TX046110233602TX046110433602TX046110533602TX046110733602TX046110833602TX046110933602TX046111033602TX0461112

Blue Advantage Silver HMO? Standard

SilverHMOTexas
Plan IDs33602TX046092633602TX046095433602TX046095533602TX046095633602TX046095733602TX046095833602TX046095933602TX046096033602TX046096133602TX046096233602TX046096333602TX046096433602TX046096533602TX046096633602TX046096733602TX046096833602TX046096933602TX046097033602TX046097133602TX046097233602TX046097333602TX046097433602TX046097533602TX046097633602TX046097733602TX046097833602TX0460979

MyBlue Health Bronze? 402

BronzeHMOTexas
Plan IDs33602TX046108033602TX046111633602TX046111733602TX046111833602TX046111933602TX046112033602TX046112133602TX046112233602TX046117933602TX046119633602TX046119733602TX046121033602TX0461211

MyBlue Health Bronze? Standard

BronzeHMOTexas
Plan IDs33602TX046108733602TX046115933602TX046116033602TX046116133602TX046116333602TX046116433602TX046118533602TX046119833602TX046119933602TX046121233602TX0461213

MyBlue Health Gold? 403

GoldHMOTexas
Plan IDs33602TX046108133602TX046112333602TX046112433602TX046112533602TX046112633602TX046112733602TX046112833602TX046112933602TX046118033602TX046120033602TX046120133602TX046121433602TX0461215

MyBlue Health Gold? Standard

GoldHMOTexas
Plan IDs33602TX046108833602TX046116633602TX046116733602TX046116833602TX046117033602TX046117133602TX046118633602TX046120233602TX046120333602TX046121633602TX0461217

MyBlue Health Silver? 405

SilverHMOTexas
Plan IDs33602TX046108233602TX046113033602TX046113133602TX046113233602TX046113333602TX046113433602TX046113533602TX046113633602TX046118133602TX046120433602TX046120533602TX046121833602TX0461219

MyBlue Health Silver? Standard

SilverHMOTexas
Plan IDs33602TX046108933602TX046117333602TX046117433602TX046117533602TX046117733602TX046117833602TX046118733602TX046120833602TX046120933602TX046122233602TX0461223

BlueCross BlueShield of Tennessee

3 plans · Individual market · listed as Visionblue

BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health�

EPOTennessee
Plan IDs14002TN040024114002TN040024214002TN040024314002TN040024414002TN040024514002TN040024614002TN040024714002TN0400248

BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health �

EPOTennessee
Plan IDs14002TN040022214002TN040022314002TN040022414002TN040022514002TN040022614002TN040022714002TN040022814002TN0400229

BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health�

EPOTennessee
Plan IDs14002TN040025714002TN040025814002TN040025914002TN040026014002TN040026114002TN040026214002TN040026314002TN0400264
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Coverage Questions FAQs

Common questions about this provider’s insurance participation, answered from the CMS Health Insurance Marketplace and Medicare enrollment files.

What insurance does DR. MICHAEL JOSEPH YAROS MD accept?

Marketplace files for the 2026 plan year list DR. MICHAEL JOSEPH YAROS MD as in-network for 781 plans from 8 insurance companies. The largest networks are Blue Cross and Blue Shield of Texas (25 plans), Blue Cross and Blue Shield of Oklahoma (22 plans), Blue Cross and Blue Shield of Montana (19 plans), followed by 5 more companies. The full list above shows each plan's metal level, network type, and plan IDs.

Is DR. MICHAEL JOSEPH YAROS MD enrolled in Medicare?

The CMS enrollment files for this NPI show a PECOS enrollment record, which certifies the provider to order, refer, and prescribe for Medicare beneficiaries. The files do not currently show a Medicare assignment indicator; verify Medicare participation directly with the practice.

What network types does DR. MICHAEL JOSEPH YAROS MD participate in?

The accepted plans include 42 PPO plans, 41 HMO plans, 20 EPO plans and 18 POS plans. PPO (Preferred Provider Organization) plans cover out-of-network care at a higher cost and do not require referrals. HMO (Health Maintenance Organization) plans cover care from network providers and typically require a primary care referral for specialists. EPO (Exclusive Provider Organization) plans cover network providers only, generally without referral requirements. POS (Point of Service) plans combine HMO-style referrals with partial out-of-network coverage.

Where does this insurance data come from and how current is it?

Plan participation is compiled from the official CMS Health Insurance Marketplace public use files for the 2026 plan year and refreshed as CMS publishes updated files. Networks change during the year, so always verify coverage with the insurance company or the provider's office before scheduling care.