What is the difference between an HMO & a PPO?

The difference between an HMO and a PPO in North Carolina is the level of coverage and cost. An HMO, or Health Maintenance Organization, is a type of health insurance plan that requires all members to select a primary care physician who will be responsible for coordinating their care, and who will only cover care from a network of providers. Most HMOs also require a referral from the primary care physician before members are allowed to see a specialist. A PPO, or Preferred Provider Organization, is a type of health insurance plan that allows members to see any doctor or specialist they choose. PPOs typically offer slightly more coverage than HMOs, but usually come at a higher cost. The benefit of a PPO is that it allows for more freedom of choice when it comes to selecting health care providers. In North Carolina, the vast majority of health insurance plans are HMOs. However, if you are willing to pay a higher premium, you can get a PPO plan that offers more flexibility in selecting your health care provider.

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What is the difference between an HMO & a PPO?

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