Notable Difference between Individual HMO Health Insurance & PPO Coverage

Individual HMO coverage is the option for you if you want coverage that is the most affordable with some restrictions. With affordable individual HMO insurance you will make a monthly payment and in exchange receive unlimited health services. This is the same way PPO coverage works. If you choose  PPO individual health insurance, you will need to make monthly premium payment for your medical services. Here is a big difference between the two types: HMO individual insurance is more affordable, but it limits your freedom. You’ll need your doctor to refer you to a specialist. With PPO health insurance, you get more freedom and pay more money for it. There are co-payments and deductibles to pay with this type of insurance. However, you’ll receive more flexibility. If you want to see a specialist, you don’t have to wait for your primary care physician (PCP) to approve and refer you. This can save money (in the form of the co-pay for your PCP visit) as well as time. Instead, you can search for specialists within the PPO insurance plan’s network and make an appointment yourself.