How Do You Pick Between HMO And PPO Health Coverage?
Choosing the proper health insurance for you and your family can be a daunting task. Deciding whether to go with an HMO or PPO plan can be pretty difficult if you don’t know the difference between the two. Of course, with each insurance company, there are different rules and costs, but understanding some of the basics is essential before signing up for health coverage. Before you choose between an HMO or a PPO, first find out if your employer offers health insurance. It’s a great idea to see the percentage they cover and what your health insurance premium will be if there is one. If it’s cheaper to buy your own health insurance, you may want to take this route. HMO stands for Health Maintenance Organization. Think of an HMO as a health plan you pay for in advance. You will receive a primary care provider through your network. If you should need to see a specialist like an ENT doctor, you will need a referral from your PCP. PPO stands for Preferred Provider Organization. A PPO gives you
