Question

What is the difference between hmo and ppo?

Answer 1

What is the difference between hmo and ppo?
 
With an HMO plan, you pick one primary care physician. All your health care services go through that doctor. That means that you need a referral before you can see any other health care professional, except in an emergency. Visits to health care professionals outside of your network typically aren’t covered by your insurance.

PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral inside or outside of your network.  

Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.

Answer 2

Answer:

Both HMO and PPO are health insurances, however the correct answer is that the main difference between HMO and PPO is in the range of flexibility at the time of choosing for a doctor.

Explanation:

On one hand, Health Maintenance Organization, or HMO, is a type of health insurance that offers to the client a local network in which he can contract doctors, that means that it gives you the posibility to choose a primary care doctor whose figure will represent from that point on to the first contact with the client and to go to other doctors the person will need a referral.

On the other hand, Preferred Provider Organization, or PPO, is another type of health insurance that differs in the offer to the client mainly in the options that gives. This type of health insurance gives the posibility to choose the doctor you want to see in a huge range network. Therefore the person will not need a primary doctor, however the money that the client will have to pay is higher in this case.