2007-06-12 08:25:55 · 4 answers · asked by dezsalinas 2 in Health ➔ Dental
If you are sick a lot, travel a lot and need the assurnce of coverage anywhere without stipulaions, or are ultra picky about the doctors that you see, you will pay more for PPO and have no restrictions of a network of doctors that you are restricted to going to.
If you are a fairly healthy person, and pretty much the opposite of the above, an HMO will cover you just fine with a more affordable premium/co-payments. However, you will be restricted to using doctors within your HMO network for maintenance. There are provisions for when you are out of town and have an emergency and out of your network it won't be rediculous, but those procedures for filing and making a co-payment depend on the Insurance provider you have.
Hope that helps!!
2007-06-12 08:56:57 · answer #1 · answered by bluewavesguy44 2 · 0⤊ 0⤋
From my understanding, you'll get the same treatment from both plans, but the PPO costs more from your paycheck than the HMO. There are other differences, regarding copays and deductibles. You should read your company's descriptions of each plan...
2007-06-12 15:30:03 · answer #2 · answered by Anonymous · 0⤊ 0⤋
ask Michael Moore! or watch his movie "sicko". he takes on health insurance companies in this movie.
it depends. Dr.'s prefer PPO's because it means less paperwork for them, but it will probably cost you more money.
An HMO will probably cost you less, but if you want to see a specialist, you have to see your primary care for a referral. Then it is up to the HMO to decide if they agree with the reason your dr wants you to see a specialist.
Just remember: insurance companies make money by getting out of paying the coverage amount you sign up for.
2007-06-12 15:38:53 · answer #3 · answered by just me 3 · 0⤊ 0⤋
In my opinion, much better.
2007-06-12 15:28:44 · answer #4 · answered by essentiallysolo 7 · 0⤊ 0⤋