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	<title>New answer on: What Is The Difference Between An HMO And A PPO Health Insurance?</title>

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		<title>By: Jason Goldenzweig</title>

		<link>http://insurancelibrary.com/health-insurance/what-is-the-difference-between-an-hmo-and-a-ppo-health-insurance</link>

		<dc:creator>Jason Goldenzweig</dc:creator>

		<pubDate>Mon, 14 Jul 2014 16:03:26 +0000</pubDate>

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		<description><![CDATA[The main difference is an HMO (Health Maintenance Organization) has a more restricted network and you may need to have a designated primary care physician for your plan. Also, if you need to go see a specialist, you will likely need a referral from your primary care physician in most circumstances.

A PPO (Preferred Provider Organization) will generally have a broader network and would not require a referral to see a specialist.

The premiums for PPO plans will generally be higher than an HMO. If you can afford a higher premium, you may want to go the PPO route. If you have a very tight budget and you need to keep your premiums to a much lower figure, an HMO may be more suitable.

Also, you may not have many options for health insurance in some areas. You&#039;re generally going to have more options living in an urban area than a very rural one - not every carrier will offer every network type either under the new affordable care act.

I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions. Thanks very much.]]></description>

		

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