Skip to main content

The Difference Between A HMO And A PPO



When considering health coverage plans for a Medicare supplement, the options may include those known as HMO plans and those known as PPO plans. Both coverage options can provide the same levels of coverage for doctor's visits, hospitalization, prescription drugs and more. The primary difference between an HMO and a PPO is the role of the doctor you see for your basic care. With a PPO, you may see a doctor for physicals and general health care, but with an HMO, this doctor may be your primary care physician, who also provides referrals to specialists. But an HMO may be the more affordable choice in some cases.

What is an HMO?
HMO stands for Health Maintenance Organization. If you choose an HMO for your Medicare supplement, you may choose a primary care physician or one may be selected for you. The primary care physician, any specialists you see and any facilities where you receive care will be part of the HMO network of approved providers. This primary care physician may be the physician you see for basic care, but their role with an HMO is to help you choose specialists within the HMO network and provide referrals to same. For women, you may be able to select a gynecologist as your primary care physician, but if your plan does not allow for this, gynecological care may require the same process as for other specialists. If you want to see a provider outside the network, you may be required to pay some or all of the fees the provider charges.

What is a PPO?
PPO stands for Preferred Provider Organization. You do not need a primary care physician if you choose a PPO Medicare supplement. In essence, you self-refer with a PPO, choosing your own specialists within the network.  Out of pocket costs may be higher with some PPO plans, including co-payments, premiums or lower coverage for out of network providers. Some PPO plans include a deductible. If you don't mind paying a little more, and the network includes specialists you would like to see without need for referrals, a PPO Medicare supplement might be for you.

Which one should I choose?
Both types of plans include provider networks, and charge more for seeing providers outside the network. When considering coverage plans for a Medicare supplement, look at the provider network listing, and make sure that it includes the doctors and hospitals that you'd like to see or continue seeing. Consider your ability to follow up with the process for referrals, and ask about that process when considering an HMO. Mistakes with the referral process can cause you to miss appointments or be charged for care that is normally covered. If you are considering a PPO, ask about premiums, deductibles, and other coverage costs. And as you manage your own visits to specialists with a PPO, if you need to see several specialists, it's important to keep your own records for remembering which providers you need to see. A PPO can provide greater freedom, but at a slightly greater cost. With both types of plans, the insurer and specific plan can vary in terms of what they will cover and to what extent they will cover it. Review the information you receive about benefits, and ask questions before making your decision. 


Comments

Popular posts from this blog

An Evening Dinner At Chef Chew Kitchen, Petaling Jaya

BACK TO SG. BULOH for a couple of days.... Come evening, we went for dinner at Chef Chew Kitchen in Seksyen 19, Petaling Jaya.  Since it was my first time there, I did not know what to expect except to sit back, relax and eat.  LOL... It is a one shop lot restaurant so tables are very limited.  Reservation was made at 6pm to be on the safe side, to avoid crowds and waiting for food was very minimized at this time of the day.  For the seven of us, these dishes were served on the table... Thumbs up even before the dinner...  And soon these are served...  Claypot braised ribs...  Their signature dish... Fish Maw...  First time eating fish maw which is whitish in colour...  Black Beancurd with Pumpkin sauce... Hey, this restaurant indeed serves new to me! This must be Sweet Sauce Chicken... For the American... Cos we Asians like Steamed Chicken like this!  LOL...  And the star dish of the dinner is this...  Freshly steamed and succulent prawns

Our Orders From Afghanistan, Spanish And Australia

My Final post on the Food Festival in the Victoria Market on Wednesday night.... The atmosphere at the market was "enhanced" by the cheerful songs and music by a group band... It was indeed a merry evening filled with music-licous folk songs in the air... . Ok, how to find four seats in this crowd.... hmmmm....... Somehow we managed to... and these were what my boys brought back to our table.... Mexican rice with oysters... or is it Spanish rice?   Both are the same, I guess... LOL.... Afghanistan Food.... chunks of chicken meat with naan.... Brazilian food.... don't ask me what it is.... I just ate what was on the table....  But I am amazed by this giant burger....  ..... and what burger is this? They told me it is Crocodile Tail Burger! Meat from the crocodile tail?  Is it just a name or what... I really don't know... Took a few bites of it... and I am full!! Well, these were the food we

Reunion At Museum Restaurant At Starling Mall

CLASSMATES REUNION... but not from my year.  i just tagged along with my sister who wanted my company that evening.  She was going to meet up with some of her classmates at The Starling mall.  I did not want to drive there, taking Grab is a much easier and practical choice, considering it was rush hour in the evening.  Furthermore, I am not familiar with the roads... both of us might panic on the federal highway.  LOL...  Having someone to take us there is so stress free, we only have to pay RM20 for the ride.  :)  Our first time to Startling Mall and being made familiar by one of the bloggers, Phong Hong who used to post up her lunch meals taken from there.  We were supposed to meet up at 7pm but we reached there an hour earlier to "survey" the shops and ended up buying a "bit."  Blame it on my sister who always like to give positive comments most of the time!   The dinner was held at The Museum.... Originated from Ipoh actually and how there is a branch