HMO vs. PPO

HMO vs. PPO There are two main types of health plans: a Health Maintenance Organization (HMO), and a Preferred Provider Organization (PPO). The below outlines the main differences between these two types of plans. HMO plans provide local coverage only, while PPO plans offer a larger, nationwide network that can be a good choice for people who travel a lot or who have children on their plans at out-of-state colleges. BB&N offers two HMO plans: the HMO and HMO / HDP, and one PPO plan. HMO / HDP PPO You must select a Primary You do not need to select a Care Physician (PCP) when PRIMARY CARE PHYSICIAN Primary Care Physician enrolling (PCP) You may visit any provider. You You must visit providers within your have access to In-Network carrier's designated network. benefits outside of New England. Out-of-Network benefits are not Out-of-Network benefits locally available except in an emergency NETWORK and nationwide HMO plans typically cost less PPO plans typically cost more in in monthly premiums monthly premiums COSTS There are no copays for either of the three plans