Though POS plans can be up to 50% cheaper than preferred provider organization (PPO) plans, premiums can cost as much as 50% more than health maintenance organization (HMO) premiums., The flexibility and reduced costs compared to other PPOs make UHC Choice Plus an attractive choice for many. But the higher premiums compared to HMO plans may make it less affordable for some families., This year, take advantage of Kaia Health, a unique new program that combines human care with an app. Available to all UHC participants (except in HI), Kaia Health offers tailored programs to address all musculoskeletal issues, including back, neck, and joint pain., About these Coverage Examples: care. Your actual costs will be different depending on the actual care you receive, the prices your providers ch rge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coin urance) and excluded services under the plan. Use this information t, Members must obtain referrals from their PCP to see specialists or receive specific treatments. United Healthcare's HMOs typically have lower premiums and out-of-pocket costs compared to other plans. However, they offer limited flexibility as members are required to use healthcare providers within the HMO network, except for emergencies., Cons: With POS plans, you’ll find that your monthly insurance bill can be as much as 50% more than it would be with an HMO, notes Gross. And like with an HMO, you must have a PCP who coordinates your care..