Blue Ocean Financial also offers health insurance to individuals or groups with a minimum of two employees on payroll. The HMO plan usually requires an individual to see a primary care physician for a referral first before seeing most specialists. The PPO plan allows the insured the freedom of seeing whomever they choose without a referral. The POS plan is a combination of both the HMO and PPO and is currently only available through group plans. For more information on deductibles and co-payments please feel free to contact us below.