What is the difference between a PPO and HMO | WPS Explains

When shopping for health insurance, you'll notice there area few different types of managed care plans,each with pros and cons. Let s talk about thedifference between two kinds of plans: PPO (or,Preferred Provider Organization) plans and HMO(or, Health Maintenance Organization) plans. All PPO and HMO plans have networks (the providersand facilities your plan has contracted withto provide health care services). The maindifferences between PPO plans and HMO plansare how you access that network andhow the cost of care is covered. PPO plans give you more flexibilityin which providers you see. You'll receive the highest level of benefitswhen you visit an in-network provider. You're also free to visit out-of-network providersbut will likely pay more out of pocket. HMO plans require you to stay within their networkfor care unless it's a medical emergency. If youchoose to visit a provider who isn't inthe network for a nonemergency service,.

There is no coverage at all and you will beresponsible for the entire medical bill. When choosing between a PPO plan and an HMOplan, consider what matters most to you:cost or flexibility and access. PPO plans offermore flexibility and might be a good choice ifthere is a health care provider you preferto see. PPO plans often have higher monthlypremiums and higher out-of-pocket costs, includingdeductibles. HMO plans might be a good choiceif you re on a budget and don't anticipatemany visits to your provider. They offer less flexibility, but often have lower monthlypremiums and lower out-of-pocket costs. WPS is here to help. Visit wpshealth-dot-com-slash-explains to learn more about the ins and outs of health insurance.

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