Medical Insurance Hmo Vs Ppo
Main differences between hmo and ppo plans.
Medical insurance hmo vs ppo. Medicare also has both ppo and hmo options. For more hmo specifics read our about hmo plans article. Ppo health insurance plans. A ppo may be better if you already have a doctor or medical team that you want to keep but doesn t belong to your plan network.
When it comes to hmo vs ppo there are a few additional key feature differences that you should consider before you select a plan. Generally speaking an hmo might make sense if lower costs are most important and if you don t mind using a pcp to manage your care. The hmo is a managed care plan that provides care through a network of providers. While hmo and ppo plans are the 2 most common plans especially when it comes to employer provided health insurance there are other plan types you should know about including epo and pos plans.
Managed care plans try to reduce medical care costs without sacrificing quality care with the growing need for managed care plans hmo and ppo plans have gained popularity over. Ppo plans provide more flexibility when picking a doctor or hospital. Some employers offer both types of managed care plans whereas other companies will offer only one type of plan. However many ppo plans will also have an annual deductible and higher premiums.
Some hmo plans including those offered by medical mutual don t require you to select a pcp or have a referral to see a specialist.
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