Health Maintenance Organizations (HMO)
An HMO gives you a range of benefits for a prepaid monthly fee. The plan focuses on wellness, prevention, and treatment within a network of providers. Out-of-network providers are usually not covered, unless in an emergency.
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Preferred Provider Organizations (PPO)
PPOs often have a larger network of providers. This option can offer the greatest flexibility for members seeking care in and out of network. If a member visits an in-network doctor, they’re only responsible for their annual deductible and copay. If a member gets care outside the network, benefits may be reduced and their copay may be higher. Often, annual deductibles for PPO plans are higher than deductibles for HMO plans.
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