HMO vs. PPO... which do you have?

[imported_Tomato]

What's the difference between an HMO and a PPO healthcare plan?

What plan do you have?

Me: PacifiCare, HMO (I think?)

 

[matsuhisa]

i dunno what the difference is... but i have pacificare which is a ppo...

 

[pyonir]

Cigna, HMO

PPO costs more.

 

[FoBoT]

i pay about twice as much for my family to be on PPO
my wife doesn't like to be told what doctor to use or see different doctors each time, so it is worth it for us

if you don't mind herd medicine/clinic style, then save the money and do the HMO

*EDIT*

oh, you want to know differences

PPO is basically traditional insurance, you can go to any doctor, if you go to a doctor that participates, they cover a higher percentage of the cost

HMO is a clinic type situation, you go to an assigned doctor office but might see any doctor that is working there , maybe a different doctor each visit, you don't have a choice. if you need to see a specialist, the HMO has to approve and again, they tell you who to go to, you cannot choose

 

[bunker]

What's the difference between an HMO and PPO?

 

[pyonir]

Originally posted by: FoBoT
i pay about twice as much for my family to be on PPO
my wife doesn't like to be told what doctor to use or see different doctors each time, so it is worth it for us

if you don't mind herd medicine/clinic style, then save the money and do the HMO

Having a family would be different. I haven't been to the doctor in about 3 or 4 years, so having a PPO is totally not worth it.

 

[newbiepcuser]

Some HMOs are okay, if you're current doctor is in their list. Benefits of HMO, simple its cheaper.

 

[CPA]

In simplest terms:

HMO - network and referral necessary
PPO - network maybe, no referral necessary

 

[iamme]

OPP!



hehe, sorry.

 

[BunLengthHotDog]

POS here (Point of Service) same as PPO with HMO prices typically. Pay about $17 every paycheck for wife/baby