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Health Insurance

Your health depends on good coverage

Whether it’s a PPO, POS, EPO, or HMO, erba offers a menu of options to meet your unique needs. Here’s a quick guide to the different types of plans available.

Preferred Provider Option (PPO) Plans – These plans offer a list of providers who have agreed to reduce their fees in order to be on your preferred list. For you, this means benefit dollars go further.

Point of Service (POS) Plans – These plans allow you to pick from a list of personal care physicians who agree to be your primary doctors when you need medical advice or consultation. They will refer you to other providers as needed.

Exclusive Provider Options (EPO) Plans – This plan pays exclusively on services rendered by a selected list of providers.

Health Maintenance Organizations (HMOs) – Preventive care is a highlight of HMOs’ menu of approved services provided by primary care physicians and preferred providers, who have agreed to provide services at reduced fees.


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Insurance for first responders.

The automated quote system is not yet available in all states. If your zip code is not available, we can still help you.

Please contact our team.

(909) 243-4886

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