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 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 must visit providers You may visit any provider. Out- within your carrier's of-Network providers may cost NETWORK designated network more than in-network HMO plans typically cost less PPO plans typically cost more in COSTS in monthly premiums monthly premiums