A Preferred Provider Organization (PPO) health plan offers more flexibility and choice than other plans.
Flexibility: You can see any doctor you want, including specialists, without a referral.
Choice: You can choose from a large network of doctors, specialists, and facilities.
Out-of-network coverage: PPOs usually offer some coverage for out-of-network providers.
Travel: You can receive care wherever you are, including when you're traveling.
Health Maintenance Organizations (HMOs) have several advantages, including lower premiums, lower out-of-pocket costs, and a primary care physician (PCP) to manage your care.
HMOs typically have lower monthly premiums than other health insurance plans.
HMOs are more affordable for people who need basic medical care.
You'll get more out of your HMO plan by using providers in the network.
When comparing health insurance plans, look at these costs to help you decide if the plan is right for you:
Premium - This is the amount of money you pay each month for insurance.
Deductible - Co-payment (also called co-pay).
Maximum out-of-pocket cost or expense.
Are you needing coverage while you travel?