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When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans typically require you to select a primary care physician (PCP) and obtain a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO stands for “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.

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The emergency department is a central part of Renown Health’s hospitals. Serving patients in need of emergent attention, this team has an incredible level of dedication to not only tending to emergencies big and small, but also saving lives 24 hours a day and seven days a week. This critical work happens daily at Renown Regional, Renown South Meadows and Renown Children’s Hospital. Patients in Renown’s emergency rooms (ER) are in the best hands, and it is all thanks to the devoted, hard-working teams who run the show. Saving Lives Around the Clock  As the only Level 2 trauma center between Sacramento and Salt Lake City, taking care of a constant stream of patients in the Renown Regional, Renown South Meadows and Renown Children’s ERs come naturally for these teams. Whether it be 3 a.m. or the lunch hour, this team is always ready to spring into action to attend to virtually any health emergency under the sun. According to Gabby, an RN in the Renown Regional ER, everyone in the ER must be ready for anything. “We are the first line of care that the patient receives before they are admitted or discharged,” which means the team sees a wide variety of emergency situations each day.  Patients rely on the ER to protect them and help them heal from severe conditions. From head injuries and broken bones to heart attacks and strokes, this team has seen it all at every time of the day and night. “The ER is an uncontrolled, unpredictable environment,” said Miriam, an RN in the Renown Regional ER. “It’s essential that we all are ready to jump in and help at any time.”  Beyond the general ER at Renown Regional, Renown Children’s Hospital is the only accredited Children’s Hospital Emergency Room in all northern Nevada. The first and only facility of its kind in the Reno-Tahoe region, this robust emergency department is equipped with pediatric specialists and child-sized equipment to give children the highest level of support. “We are proud to keep a fun atmosphere with vibrant colors to help our young patients ease their anxieties, making them as comfortable as possible while providing excellent care,” said Ginger, Manager of Nursing for Renown Children’s ER.  While the majority of patients are treated onsite and discharged that same day, several ER patients get admitted to the hospital, when that happens, the emergency department works quickly with the Renown Transfer and Operations Center (RTOC) to get patients in a bed as soon as possible.   All day and all night, ambulances and helicopters deliver members of our community in need of care. But never fear – our incredibly capable emergency department is here. Kicking off into immediate action is a core requirement for the emergency department, and it is a task the entire team has nailed down to a science.   Team Tenacious  When asked about their team, members of the emergency department echoed the same notion: “I am not alone.” The emergency department never leaves their colleagues out to dry, and in an emergency environment, always being able to lend a hand whenever needed is vital. For Ashley, an RN at Renown Regional, one of the main reasons why she continues to work at Renown is because of her colleagues, along with a myriad of resources and state-of-the-art technology that are at their disposal. She adds, “It is such a joy to come in to work alongside my team.”  Amy, Supervisor of Nursing for the Renown South Meadows ER, feels the exact same way. “Being an emergency department, we sometimes see things you don’t always see every day,” said Amy. “It’s a relief for our patients to know that they are in the best place in the region for their care. I credit all of that to my team.”  As our emergency room capabilities continue to grow, this also includes our Children’s Hospital ER. Last year, the William N. Pennington Foundation provided a $7.5 million gift to the Renown Health Foundation to keep pediatric care – including pediatric emergency care – closer to home and expand our availability to our youngest patients. As reported last year, Dr. Joseph Gassen, a pediatric emergency doctor with Children’s Hospital, was the only pediatric emergency physician in the region as of 2021. Thanks to this gift, he was able to move to Reno to provide care in the Children’s Hospital ER.  “The hospital is dedicated to improving the care of children in northern Nevada, and I wanted to be a part of this amazing vision," said Dr. Gassen. “I would not have been able to relocate to Reno without the support from the hospital and the William N. Pennington gift.”  Besides achieving optimal outcomes for their patients, their efforts also paid off in the form of awards and recognition. Internally, the emergency department recognizes Employees of the Month for their outstanding work. Recently, Renown Regional Emergency Physician Dr. Patrick Russell and Claire, an RN, were recognized with this honor. Outside organizations have also noticed these exceptional team members. The Reno Gazette Journal’s recognized the Renown Regional ER as the Best Emergency Room in the 2022 Best of Reno Awards, complimenting Renown Regional’s wins as the Best Hospital and Best Place to Have a Baby.   The tenacity of the emergency department continues to surpass expectations, and their published achievements only scratch the surface of what is sure to come.  A Growing Team of Heroes  To continue meeting the growing need for emergency care regionally, especially when it comes to trauma and children’s services, the emergency department is looking forward to welcoming new team members. For those looking for a fast-paced, team-oriented atmosphere and the opportunity to be on the healthcare frontlines, the emergency department is a perfect fit.   As teamwork is clearly essential, the emergency department is an ideal environment for someone who is “not afraid to ask questions and always eager to learn new things,” according to Miriam. While one staff member’s patients may be settled, staff one assignment over could be overwhelmed with patient volume, so it is an imperative skill for a colleague to be a self-starter and take the initiative to help wherever needed.  Bryan, an emergency trauma technician at Renown Regional, emphasizes this point, adding, “A good colleague is one that knows you well and can infer your body language. They know how to read a situation and pre-plan for the next step. Being attentive, a valuable resource and knowledgeable about patient populations – that's the works!”  Career growth and lifelong learning are important to this group, so career-minded individuals will be in good company in the emergency department. “I choose Renown so I can jumpstart my career as a nurse in the top ER in the region,” said Gabby. This team is always learning and always on top of the latest research – which only further solidifies Renown’s place as the preeminent ER in northern Nevada and northeastern California.  If you take one thing from this article, let it be these parting words from Amy: “These are some of the smartest, most devoted individuals you will ever meet, and we are so lucky to have them serving our emergency department. You will only regret not working with this team.”

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Medicaid plays a significant role in our health care system and is the nation’s public health insurance program. In addition, this program is the predominant source of long-term care coverage for Americans. Renown Health is contracted with two Medicaid plans: Molina and Anthem. If you currently have a different plan but want to change to one that Renown accepts, you can request to change plans during the open enrollment period from January 1 to March 31. Request to change your Medicaid plan in one of three ways: Request a change to your plan, or managed care organization (MCO), by reviewing the available MCO plans online at bit.ly/MCOPlansNV and filling out the form on the webpage. Email Nevada Medicaid to ask for a plan change and include your name, Medicaid ID and the names and Medicaid IDs of any dependents in your home: MCORedistribution@dhcfp.nv.gov. Call your local Medicaid district office at 775-687-1900 (northern Nevada) or 702-668-4200 (southern Nevada) to ask about changing your plan.  For more information about the Medicaid plans accepted at Renown Health, please visit: Anthem Molina Healthcare   Renown Health accepts most insurances, but please visit the link below for the full list. Click here for all accepted plans

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