PPO or HMO?

Question

I am being offered a variety of different health plans. I don't know what to pick. Some of the HMO plans offer the same things that a PPO plan does. But I don't feel comfortable with an an HMO

Answer 1

PPO...you pick where you want to go
HMO...the insurance company picks where they want you to go

Answer 2

One of the main differences is that with a PPO you go to the doctor you want.

With an HMO you go to the doctors who participate in that HMO.

You may pay more with a PPO (and have a higher deductable and out of pocket) but from my own experience you get better care from a doctor not connected with an HMO.

Doctors connected with an HMO have to keep costs down and get approval to do an operation/procedure because the HMO will only pay so much (in some procedures they won't pay at all).

Answer 3

in case you do not already have a relationship commonplace with a doctor, the HMO is the greater advantageous thank you to bypass. in case you have a doctor, you could bypass with the HMO as long as your scientific expert is a member. With the HMO you're sacrificing a number of your decision in provider decision, yet you acquire value advantages. With the PPO, you get greater options, yet you pay greater for the privilege.