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Please explain the difference between HMO and PPO medical insurance plans?
Wiki User
∙ 13y ago
With an HMO you have a network of doctors and hospitals that you can use and anyone outside of this network will not be paid for by your insurance. All of the records are centrally located and available to anyone in the network and you choose a primary physician who then can make referrals to a specialist if needed. With a PPO, there is a preferred provider netwok however you can go outside the network with reduced amounts of coverage. It is easier to get a second opinion , switch doctors and see a specialist as you have more choices. HMO's generally cost less.
Wiki User
∙ 13y ago
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