What is the difference between PPO and HMO?
Often the PPO will cost a little more because of its flexibility in choosing and seeing specialists than does the HMO. With the PPO, one can see any doctor one wishes or visit any hospital one chooses, usually within a Preferred Network of Providers. Conversely, an HMO requires one to see only doctors or hospitals on their list of providers. HMOs generally require one to choose a PCP who will direct care and refer you to specialist if need be. Whereas with a PPO a referral is not needed.
