HMO vs PPO Plans
Compare HMO and PPO health insurance plans. Understand costs, provider networks, and flexibility differences.
HMO (Health Maintenance Organization)
Lower premiums, must use network providers, requires referrals for specialists.
Best for: Budget-conscious, don't mind referrals
PPO (Preferred Provider Organization)
Higher premiums, more flexibility, no referrals needed, can see out-of-network providers.
Best for: Want flexibility, see specialists often
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