Compare / HMO vs PPO Health Plans
HMO vs PPO Health Plans
HMOs and PPOs differ mainly in network flexibility and how you access specialists.
| Feature | HMO | PPO |
|---|---|---|
| Need a PCP | Yes | No |
| Specialist referrals | Required | Not required |
| Out-of-network care | Not covered (except emergencies) | Partially covered |
| Premiums | Lower | Higher |
| Paperwork | Less | More |
Best for HMO
Generally healthy people who want low predictable costs.
Best for PPO
People with established specialists or who travel often.
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