HMO verses PPO Insurance
What is the difference between an HMO verses PPO? When choosing your health plan, you have a lot of options available. The two most common are HMO and PPO plans, both use a network of physicians, hospitals and other health care professionals.
With an HMO plan you have one primary care doctor and that doctor must provide a referral if you wish to see a specialty doctor. For example, perhaps you have bad migraines. Prior to going to a neurologist, you must go to your primary care doctor who will give you a referral to a neurologist.
HMO is typically less paperwork and lower health care costs.
With a PPO plan you have the flexibility to go to any health professional you wish without a referral. You can also go to a doctor outside of your network. However, staying within your network results in a smaller copay and full coverage.
Overall, if you wish to have a greater flexibility and happen to see a lot of specialists (i.e. dermatologists, neurologist, urologists, cardiologist) a PPO plan might be a better fit for you.
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Pettineo Insurance Agency has been provided health care insurance for over 30 years in South Florida. To learn about our different health insurance options visit our website at http://pettineoinsurance.com/health_insurance.html
