What is the difference between an HMO and a PPO? Which one is better?
• • Of course, there isn’t one right answer; the best choice depends on your particular needs. For example, if you are considering an HMO, it’s important to make sure that your physician is part of the HMO network, unless you are willing to see another physician. If not, a PPO might be a better choice, because you can still receive at least partial coverage regardless of network affiliation. However, if ongoing out-of-pocket costs are a major concern, an HMO is often a better choice, because there are no deductibles and co-payments are typically lower. If you are fortunate enough to have a choice between HMO and PPO coverage, you will need to take some time to evaluate the coverage offered by each and determine which one best suits the needs of you and your family.
