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Hmo or ppo for major medical coverage?


Hmo or ppo for major medical coverage?

Depends on the insurance company and whether you already have a doctor that you like. If you do, you should go with the PPO so you can keep that doctor. If not, HMOs tend to be cheaper and have lower or no deductibles.

Depends on the needs of you and your family. Read the plans and select the one that covers you best

Sometimes HMO's can be really bad to people.

Basic differences:

1. HMO: usually much cheaper premiums/out of pocket, but you always have to go through a Primary Care Physician before you can see a specialist

2. PPO: usually more expensive, but allows you to go directly to a specialist if you know who you need to see.

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