What is a better healthcare plan, HMO or PPO?!
Question:
What is a better healthcare plan, HMO or PPO?
Location: CA
Age: 24
Non-smoker and healthy
Any recommendation for a healthcare plan that is not too expensive? I'm a college student with low income and don't know much about the administrative side of health care. Can anyone fill me in on their experience?
Thanks a lot!
Answers:
As a young healthy individual I think an HMO is the better option to minimize the costs of co-pays and out of pocket. Make sure you find a PCP that you trust and like because that doc will determine nearly ALL medical care for you in an HMO. They determine if you can go see a specialist...HMO's dont allow you to see a specialist (except dermatology) without a prescription from your PCP. In a PPO the costs are a bit more than HMO if you stay in network, but you have the option to go out of network if you want to pay more.