2007-07-12 20:59:25 · 4 answers · asked by younggb77 4 in Health ➔ General Health Care ➔ Other - General Health Care
That depends upon your situation and what you want.
The HMO usually has a more expensive premium but has lower costs for many procedures.
With the HMO you need to see your primary doctor first (and pay the co-pay) to get a referral to see a specialist. With the PPO a referral is not needed.
With an HMO you must see a doctor in the network. With the PPO you can go outside the network but your co-pays will be higher.
Most HMO's cover maternity, which is another reason they're higher. PPO's do not, however, some have a maternity option available.
HMO's are being phased out of the individual market and are becoming scarce with the group market. Very few companies are offering HMO's anymore.
2007-07-13 12:39:49 · answer #1 · answered by Zarnev 7 · 0⤊ 0⤋
HMO is cheaper, but PPO gets you better care.
2007-07-12 21:07:15 · answer #2 · answered by The Man In The Box 6 · 0⤊ 0⤋
I prefer a PPO. There's seems to be a lot more choices.
2007-07-12 21:24:25 · answer #3 · answered by Andee 6 · 1⤊ 0⤋
HMO
2007-07-12 21:03:13 · answer #4 · answered by Mrs. C 2 · 0⤊ 1⤋