Health Net or PPO?

Question

IS Health Net ppo Better than just PPO because there is a huge price difference a month but they both seem to offer the same coverage give or take WHICH ONE IS BETTER?

Answer 1

If you don't have any serious health problems and only rarely would need to see a specialist, then Health Net is probably fine for you. If you have chronic health problems and see lots of Drs regularly then you might want to spring for the PPO coverage. Also compare the drug coverage as the PPO might have lower overall drug costs if you happen to be taking several expensive medications.

Answer 2

PPO stands for Preferred Provider Organization. There's usually a company behind a PPO who organizes it, pays out, etc. There's a Health Net PPO and other companies who have their own PPO programs. There's no plain PPO.

I'd look into your benefits material in detail or call your HR person to have them explain the difference and find out who the other company is.

Health Net might even have two PPO programs (I'm sure they do) that have different coverages, deductibles, etc that change based on your health premium every month.