Choice plans give you the greatest flexibility in the doctors you use by giving you access to providers in both the LocalPlus-Houston * and OAP networks, but you'll pay more in premiums as a result. "Basic" or "Plus" coverage options vary in the amount you pay in premiums and deductibles. Under a Choice plan, you can save the most by using ("Tier 1") providers in the LocalPlus network.
The Open Access plan has the highest premium costs - about 10 times higher than the Basic Limited option. This plan exclusively uses the OAP network of doctors. If you want to save money on premiums and still have access to the OAP network, choose a Choice plan.