Quick Answer: Should I Pick HMO Or PPO?

The biggest advantage that PPO plans offer over HMO plans is flexibility.

PPOs offer participants much more choice for choosing when and where they seek health care.

The most significant disadvantage for a PPO plan, compared to an HMO, is the price.

PPO plans generally come with a higher monthly premium than HMOs.

Is a PPO or HMO better?

HMO Versus PPO: Plan Comparison

HMOs tend to be more affordable, but you’ll usually get less coverage and more restrictions. PPOs are more flexible and provide greater coverage, but come with a higher price tag and probably a deductible.

Whats the difference between an HMO and PPO?

An HMO is a Health Maintenance Organization, while PPO stands for Preferred Provider Organization. The differences, besides acronyms, are distinct. But the major differences between the two plans is the cost, size of the plan network, your ability to see specialists, and coverage for out-of-network services.

Can I switch from HMO to PPO?

How to Change From an HMO to a PPO. With a PPO, or preferred provider organization, you are free to schedule appointments with specialists. Some patients would rather go directly to the needed specialist and feel it is a waste of time to see a primary physician for referral.

What does PPO insurance mean?

PPO, which stands for Preferred Provider Organization, is defined as a type of managed care health insurance plan that provides maximum benefits if you visit an in-network physician or provider, but still provides some coverage for out-of-network providers.