Whats the difference between a PPO and an HMO?
With an HMO plan, you select a primary care physician who’ll refer you to specialists when you need care that they cannot provide. This primary care physician will coordinate all of your care. An HMO plan will not pay any portion your health care services received out of network. In a PPO plan, you can choose to go to any health care provider within your network. Your network is decided by your health insurance provider. This plan will also generally provide partial payment for covered services you receive from outside of the network. You’ll have more freedom to choose your care providers in this plan, but your premiums are going to be higher.
