WHAT IS THE DIFFERENCE BETWEEN A PPO, AN HMO?
• Your Primary Care Physician must refer you to specialists • Copayments are made when you see a doctor, get prescriptions, or are hospitalized • Maternity coverage is automatically included PPO’s provide more flexibility, but with greater out-of-pocket cost: • You choose your doctors and facilities within the PPO network (no referrals needed) • Copayments are made when you see a doctor or get prescriptions • You pay an annual deductible and coinsurance for certain services, including hospitalization • Maternity coverage may not be available TOP
