#  Choose a Plan 

 



##  Choose a Plan 

 

 

       ![A family of five people laying on grass on their stomachs and their faces in their hands making being silly.](/sites/g/files/omnuum11506/files/styles/hwp_21_9__1920x825/public/hughp/files/pexels-pixabay-160994.jpg?itok=QrJv7ft4) 

 

 



 

 



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 [### Non-Union

 ](/non-union)Information for members of non-union faculty and staff plans.



 

 

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 [### Union

 ](/union)Information for members of HUCTW, ATC, HUSPMGU, HUPA, Local 26, Custodial plans, and SEIU Arnold plans.



 

 

 

 

 

 

 

 

 

##  At-a-Glance: Which Plan is Right for You? 

 



 ### HMO

**All benefits eligible employees**

HMO plans are managed care plans. This means that almost all care must be coordinated by a HUGHP primary care physician (PCP). The PCP coordinates your care and can provide you with referrals to in-network specialists. Out-of-network care is not covered, except in certain emergency situations.

Services that do not need referrals:

- routine vision
- acupuncture
- chiropractor
- OBGYN
- behavioral health
- urgent and emergency care



 

 ### POS

**All benefits eligible employees**

  
The POS plan covers the same services as the HMO plan; however, you have the flexibility to self-refer or see out-of-network (OON) providers.

Out of pocket costs are higher for self-referred/OON care. Additionally, monthly premiums are higher than the HMO plan offering.

In order for services to process as in-network (lowest cost sharing), you would need referrals from your network primary care physician. (See description under HMO plan for a list of services that do not need referrals.)

Services will pay out-of-network (deductible, coinsurance, balance billing) when the following happens:

- No PCP referral is on file
- Member sees out-of-network provider



 

 ### POS+

**Non-union benefits eligible employees**

The POS+ plan offers the same benefits as the traditional POS plan, but without the deductible or coinsurance for in-network services.

Note: monthly premiums are higher than the HMO and POS plan offerings.



 

  

 

 

 

##  Additional Resources 

 



  [### Watch the video

 ](https://www.brainshark.com/1/player/bcbsma?fb=0&r3f1=&custom=hughp_2025)Watch this voice-guided presentation to learn whether HUGHP might be the right choice for you.



 

  [### The HUGHP Advantage

 ](/hughp-advantage)Learn more about what makes HUGHP stand out from the other University Health Plans.