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Preferred Provider Organization PPO

With a PPO, you may have:

A moderate amount of freedom to choose your health care providers — more than an HMO
Higher out-of-pocket costs than an HMO
More paperwork than other plans if you see out-of-network providers
The ability to manage your own health care

What doctors you can see. Any in the PPO’s network. You can see out-of-network doctors, but you’ll pay more.

What you pay.

Premium — Your monthly payments are based on the negotiated rates PPOs have with their network providers.
Deductible — Some PPOs may have a deductible. You may have to pay a higher deductible if you see an out-of-network doctor.
Copay or coinsurance — A copay is a flat fee, such as $15, you pay when you get care. Coinsurance is when you pay a percent of the charges for care, such as 30%.
Other costs — If your doctor charges more than others in the area do, you may have to pay the balance after your insurance pays its share.
Paperwork involved. There’s little to no paperwork with a PPO if you see an in-network doctor. If you use an out-of-network provider, you’ll have to pay the provider. Then you have to file a claim to get the PPO plan to pay you back.

Take a minute to learn how these plans differ. Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. To learn the specifics about a brand’s particular health plan, look at its summary of benefits.
Health Maintenance Organization (HMO)

An HMO delivers health services through a network. With an HMO, you may have:

The least freedom to choose your health care providers

Predictable out-of-pocket costs

The least amount of paperwork compared to other plans.

More preventive care in your benefits package

A primary care physician to manage your care and refer you to specialists when you need one so the care is covered by the health plan

What doctors you can see. Any in your HMO’s network. If you see a doctor who’s not in the network, you’ll have to pay the bill yourself — unless it’s a true emergency.

What you pay.

Premium

No deductible

Copays for each type of care

Paperwork involved. No claim forms. You won’t get bills for care that is covered.

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Label

Preferred Provider Organization PPO

Preferred Provider Organization PPO

With a PPO, you may have:

HMO delivers health services through a network

HMO delivers health services through a network

An HMO delivers health services through a network. With an HMO, you may have: