Consider the differences between HMO and PPO health plans when choosing your health coverage.
There are many different types health plans out there, but HMO and PPO health plans remain among the most common. Let’s break down how these plans differ.
HMO Health Insurance Plans
HMO stands for Health Maintenance Organization. With an HMO, you’ll choose a primary care physician (PCP) to coordinate your health care. If you need to see a specialist, your PCP will refer you to an in-network provider. You won’t have the option to see out-of-network providers (except for emergency services).
Keystone HMO Proactive
If you’re looking for a health plan that offers you the best value, Keystone HMO Proactive plans with a tiered network may be right for you. You’ll save on monthly premiums, plus you have the opportunity to save even more on your out-of-pocket costs each time you receive covered services.
PPO Health Insurance Plans
PPO stands for Preferred Provider Organization. With a PPO, you can receive care from any provider, either in- or out-of-network, without a referral. PPO plans may be appropriate if you want a little more freedom and flexibility in choosing providers, whereas HMO plans may offer a lower premium since your PCP will coordinate care and refer you to specialists.
What are the Main Differences Between an HMO and a PPO?
- HMO plans require you to choose a PCP. PPO plans do not.
- HMO plans require you to get referrals to see any provider besides your PCP. PPO plans do not.
- PPO plans allow you to visit out-of-network providers. HMO plans do not.
- HMO plans are generally less expensive than PPO plans.
Deciding Between HMO and PPO: Next Steps
The best way to decide between an HMO and a PPO is to learn more about our plans, and how each provides a range of ways to save money.
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