Questions/Information Will be covered at event or you can call in for a quote to 817-778-4703 to me in my Dallas office. This is my direct line to Mariam Khan, MBA, Licensed Insurance Agent Broker. What is the difference between a HMO and PPO? What is a POS? HMO - Larger Network | PPO - Smaller Network | POS - Combined larger network with PPO advantages When can coverage begin? Outside of OPEN ENROLLMENT from November 1-January 15, Qualifying Life Events or Special Enrollment Periods allow for coverage to begin as soon as the 1st of the month after a qualifying first month premium payment! My office is conveniently in Dallas, Texas!