Is a PPO better than an HMO?!
Question:
Is a PPO better than an HMO?
Answers:
If you are sick a lot, travel a lot and need the assurnce of coverage anywhere without stipulaions, or are ultra picky about the doctors that you see, you will pay more for PPO and have no restrictions of a network of doctors that you are restricted to going to.
If you are a fairly healthy person, and pretty much the opposite of the above, an HMO will cover you just fine with a more affordable premium/co-payments. However, you will be restricted to using doctors within your HMO network for maintenance. There are provisions for when you are out of town and have an emergency and out of your network it won't be rediculous, but those procedures for filing and making a co-payment depend on the Insurance provider you have.
Hope that helps!!