HMO vs. PPO

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two of the most common types of health insurance plans. It’s a good idea to understand the basics behind each type of insurance before choosing one type over the other.

HMOs are known to be affordable but restrictive. They are restrictive in that they require patients to go through a primary health care provider for all medical issues. With an HMO, you must be sure to visit participating facilities and physicians in order to receive coverage.

PPOs, on the other hand, are known to be more flexible,. With a PPO, the patient is encourage – but not required – to use a primary health care provider. PPO members can choose to visit facilities and physicians outside of the network, but may be required to pay higher fees if they choose to do so.

In the end, the HMO vs. PPO debate often comes down to how flexible you need you health care to be. If you are thinking of going with an HMO, try to get a list of facilities and physicians that you will be able to visit ahead of time. This can help make your decision a lot easier.

See also: Compare health insurance quotes