What is the difference between an HMO and a PPO plan?
The primary difference is that HMOs limit your non-emergency health care coverage to a limited network of physicians and hospitals. PPO plans insure covered services delivered by any licensed physician or hospital, but under a PPO, you will receive improved benefits if you use physicians and hospitals participating in the PPO preferred network. PPO networks are normally much larger than HMO networks, though HMOs provide higher benefit levels. For most individuals and families in Arizona, PPO rates will be lower than HMO rates. In addition, HMO plans are rarely an option for persons not participating in employer-sponsored programs. The large majority of our individual and family insurance clients enroll in PPO plans. Back to Top Will my weight affect my premium rates? Yes. All Arizona health insurers use height and weight tables to make risk determinations. People above or below the height/weight ratios will be refused coverage. These height/weight standards vary from health insurer to
