What is the difference between a PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization)?
Howey & Associates’ Solution: The most significant difference is that of patient choice. If you have an HMO Plan, your care just be directed by your “primary” physician; you must receive a referral from the primary doctor before seeking treatment from other physicians. If you have a PPO, you need no referral. DID YOU KNOW….You may be able to receive a partial policy benefit in the event of a terminal illness diagnosis. Disclaimer: The comments and explanations contained in this newsletter are not intended to modify or replace any policy coverages, conditions, or limitations. We recommend that you consult with your insurance agent and/or legal counsel to determine the appropriate coverage solutions for you and/or your business.
