Is it better for me to get a HMO or PPO?

I'm thinking about enrolling at work to get one of these through Aetna. I'm 22, full time college student, not married or have any children.
HMO-$5.22 bi-weekly
PPO-$12.69 bi-weekly

*Also, this is really cheap. Will I just get a card that says I get a discount? If not, what do you think co-pays will be like?

PPO if you can afford it. The difference is HMO is managed health care in which you must go to preselected (by insurance co.) providers and most provider list are very small in HMO. PPO you can use HMO option as well as Preffered Provider- The book which you select dr.s from is usually much larger and gives greater number to select ffrom. Co-pays are the same as long as you stay within network. In HMO specialitst co-pay is usually same as general practitioner. PPO, specialist office visit co-pay usually double.
for example, co-pay $10 to see G.P. and specialist in HMO. co-pay in PPO $10 for G.P. and $20 co-pay for specialist. You will get a card which you present to doctors receptionist/office staff when you go for service.

i would go PPO just saying

My mom got an HMO way back when they first came out. Never again. They were of no help to anyone.

My niece asked me the same question. She gave me a bunch of company literature to read. I couldn't make heads or tails of any of it.

I know one guy who got something different. It was sort of like a Christmas account run by your employer. You put money into it every week. If you should have to go to a doctor, you take the money out and pay the doctor. At the end of the year, if you never went to a doctor, you lost all your money. Your employer gets to keep it.

What the good is that? You ask? The money isn't taxed. BUT. You have to use it or lose it.