Jefferson St. Posted: JUL 1, Lower monthly premiums and generally lower out-of-pocket costs. Generally lower out-of-pocket costs for prescriptions. Convenience of having a primary care doctor as your advocate to coordinate and manage your care.
What costs are associated with an HMO plan? What is a PPO plan? More flexibility to use providers both in-network and out-of-network. You can usually visit specialists without a referral, including out-of-network specialists. More responsibility for managing and coordinating your own care without a primary care doctor. What costs are associated with a PPO plan? Referrals HMO To see a specialist, a referral from a primary care doctor may be required.
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If you mostly get care in your home city or mostly from your family physician, an HMO is more likely to provide the right coverage for you. If you would like to keep your doctor, you can determine whether he or she is in-network under an HMO plan, a PPO plan or both. Choosing the right health plan can give you peace of mind, knowing that your insurance plan has your health needs covered.
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Things to consider when choosing between HMO and PPO: To choose the right plan for you and your family, you may want to consider the following: Do you need a lower monthly payment?
Do you stay close to home, or do you travel a lot? If you already have a doctor you like, does the plan you are considering cover visits with him or her?
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