How do PPO plans and HMO plans differ?
The primary difference is that HMOs limit your non-emergency health care coverage to a limited network of physicians and hospitals. PPO plans insure covered services delivered by any licensed physician or hospital, though a PPO plan will offer improved benefits if you use physicians and hospitals participating in the PPO’s preferred network. PPO networks are normally much larger than HMO networks, though HMOs provide higher benefit levels. For most individuals and families in Texas, PPO rates will be lower than HMO rates. In addition, HMO plans are rarely an option for persons not participating in employer-sponsored programs. The large majority of our individual and family health insurance clients enroll in PPO plans.
The primary difference is that HMOs limit your non-emergency health care coverage to a limited network of physicians and hospitals. PPO plans insure covered services delivered by any licensed physician or hospital, though a PPO plan will offer improved benefits if you use physicians and hospitals participating in the PPO’s preferred network. PPO networks are normally much larger than HMO networks, though HMOs provide higher benefit levels. For most individuals and families in Florida, PPO rates will be lower than HMO rates. In addition, HMO plans are rarely an option for persons not participating in employer-sponsored programs. The large majority of our individual and family health insurance clients enroll in PPO plans.
The primary difference is that HMOs limit your non-emergency health care coverage to a limited network of physicians and hospitals. PPO plans insure covered services delivered by any licensed physician or hospital, though a PPO plan will offer improved benefits if you use physicians and hospitals participating in the PPO’s preferred network. PPO networks are normally much larger than HMO networks, though HMOs provide higher benefit levels. For most individuals and families in Illinois and Indiana, PPO rates will be lower than HMO rates. In addition, HMO plans are rarely an option for persons not participating in employer-sponsored programs. The large majority of our individual and family health insurance clients enroll in PPO plans.
The primary difference is that HMOs limit your non-emergency health care coverage to a limited network of physicians and hospitals. PPO plans insure covered services delivered by any licensed physician or hospital, though a PPO plan will offer improved benefits if you use physicians and hospitals participating in the PPO’s preferred network. PPO networks are normally much larger than HMO networks, though HMOs provide higher benefit levels. In most states, PPO rates will be lower than HMO rates. In addition, HMO plans are rarely an option for persons not participating in employer-sponsored programs. The large majority of our individual and family health insurance clients enroll in PPO plans.
