Medical Plans

PrestigePEO offers a full spectrum of medical plan options, ranging from local networks to plans that provide nationwide access. Prices and coverage will vary, so make sure you choose the best option for you and your family. If you are considering a plan in a different network, you must check with your provider to make sure they participate. Check out the PrestigePRO Employee Benefits Portal to review all your options.

Medical Plan Types

For more information on PrestigePEO’s medical plans, please contact your Benefits Specialist.

Preferred Provider Organization Plans (PPO)

A PPO is a medical plan that links select hospitals and doctors to create a network of participating healthcare providers. Under this kind of plan, you’ll pay less if you stay in-network and visit a participating healthcare provider. You can also utilize services at out-of-network healthcare providers for an additional cost, but it’s important to keep in mind that these costs could be significant. Most services under a PPO plan are subject to a copay or an additional fee at the time of service. Some services may also be subject to coinsurance.

High-Deductible Health Plans (HDHP)

This type of medical plan has a higher deductible than traditional insurance plans. While monthly premiums for these plans tend to be less, it is important to remember that all services (except preventive care) will be subject to the deductible first before services are reimbursed. An HDHP is often combined with a Health Savings Account (HSA), a tax-exempt fund that can be used to pay for medical services.

Exclusive Provider Organization Plans (EPO)

An EPO is a managed care plan which only covers medical care via in-network healthcare providers, unless in an emergency. You do not need a referral from your Primary Care Physician (PCP) to see a specialist. You cannot go out of the plan’s network, except for an emergency (sudden and serious illness).

Point-of-Service Plans (POS)

With a POS plan, you’ll pay less if you utilize services from in-network healthcare providers. There are no referrals required to see a Specialist.

Choosing a Medical Plan

PrestigePRO will include all plans that are available to you. If you are adding your dependents, make sure they’re included so that your coverage on November 1st will reflect your coverage tier. If you have any questions, please reach out to our benefits team at 833-PEO-BEN1 or email You can also connect directly to your dedicated specialist via our PrestigeGO mobile app.