What is the difference between a PPO and a HMO?
The PPO plan allows for more flexibility, you can seek treatment with a provider in or outside of the Aetna network. You will however, have more out-of-pocket expense due to the fact that treatments are covered for in-network services at 90% and for out-of-network services at 70% (office visits are covered at 100% after a you pay a $10 copay). The HMO plan is more stringent, you have to choose a treating physician, seek treatment/referrals only through this physician and all treatment will be provided by Aetna physicians. However, treatment is covered at 100% which amounts to less out-of-pocket expense.
