If you are currently looking for health care coverage, you need to know there are different plans that you should consider. The plan that you choose has to meet your health needs, as well as work with your budget.
There are two main types of health plans that you can choose from – a health maintenance organization (HMO) plan and a preferred provider organization (PPO) plan.
You may be asking, “What is HMO health insurance, and what is PPO health insurance?” HMO health insurance limits you to seeing only providers within the HMO network, while PPO health insurance gives you the option of seeing health care providers out of the network.
What Is PPO Health Insurance?
If you can select your health insurance plan, the ideal health insurance is a PPO. This is the way to go. When trying to decide which health insurance to choose from, it all comes down to your doctor.
You want the freedom to select your doctor. You must select a doctor whom you feel trust with and you like. If you find a doctor that you feel is the right doctor for you, you want to make sure that this doctor is in your network.
Chances are that if you have an HMO, the doctor might not be in the network. While you may be able to still see the doctor, you will have to pay out-of-pocket for the whole cost of the medical care provided.
On the other hand, if you have a PPO, there is a high likelihood that the doctor you want is in the network. If you have PPO, you can access a local network of doctors and hospitals, but you also have the option of seeing health care providers virtually anywhere in the United States; however, you do have to a copay you are responsible for.
Benefits of Having PPO Health Insurance
PPO health insurance gives you more flexibility than HMO health insurance. What’s better than having choices? Because you have more flexibility, you have more options.
If you decide to see a non-network provider you face fewer restrictions. If you see a non-network provider, your PPO insurance will take care of the medical costs, but it may be at a lower rate, so you may have to pay for some part of the cost.
HMO health insurance requires you to have a primary care provider (PCP), but PPO health insurance doesn’t require you to have a PCP. With PPO health insurance, you can see a doctor or a specialist without having to obtain a referral from a PCP. This way you don’t have to wait to see a health care provider of your choice.
PPO – The Better Option
You know the answer to, “What is PPO health insurance.” PPO health insurance is better than HMO health insurance. It gives you more flexibility and options, thus you can choose a health care provider of your choice.
To get started with PPO health insurance, contact us today.