What is the difference between a PPO and an HMO?

PPOs (preferred provider organizations) and HMOs (health maintenance organizations) are two types of health insurance plans available in California. They both provide access to medical care, but they have some major differences. The main difference between a PPO and an HMO is the way they provide medical coverage. PPOs allow you to visit any doctor or facility that accepts your health insurance plan. You can go outside of the network, however, you would pay additional costs unless you’ve met your deductible. HMOs, on the other hand, require you to use doctors and facilities that are part of their network for your care. You will not be covered for care outside of the network, so it is important to make sure you are familiar with the healthcare providers that are part of your plan. Another difference is the cost. PPO plans typically have higher premiums, but provide more freedom to choose a doctor and treatment. HMOs tend to be cheaper, but offer fewer choices. It is important to consider the differences between HMOs and PPOs when selecting a health insurance plan. With either, you can expect a broad range of medical coverage, however they have different cost structures and ways to access care.

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What is the difference between a PPO and an HMO?

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