What is the difference between HMO and PPO insurances?
Though there are many insurance plans, the most common types of insurances are HMO and PPOs. The main difference between the two is that HMO insurances require a PCP while PPO insurances allow you to see any doctors within their network, and sometimes even out of network. HMO insurance carriers require referrals to see any doctors (including specialists) aside from the designated PCP. HMO insurances are recommended for patients with chronic illnesses who need consistent monitoring. PPO are recommended for those who wish for more freedom in which doctor or specialist they want to see. Both plans vary widely in price. Speak to your insurance agent or carrier for further information. Grace Pacific Medical Associates accepts both HMO and PPO plans, and also some EPO plans. Feel free to contact us if you have any further questions.
