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what is the difference between HMO insurance and PPO insurance?


hmo – there is no coverage for out of network services, unless approved prior to receiving them. there is a co payment for some services.

ppo – there is a slightly higher reimbursement rate for using in network providers, but you can use out of network as well. ppo usually has a deductible and co insurance of about 70/30 up to 90/10.

This entry was posted on Wednesday, March 17th, 2010 at 7:41 pm and is filed under hmo insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

3 Responses to “what is the difference between HMO insurance and PPO insurance?”

  1. Wikipedia.org can tell you that.
    References :

  2. hmo – there is no coverage for out of network services, unless approved prior to receiving them. there is a co payment for some services.

    ppo – there is a slightly higher reimbursement rate for using in network providers, but you can use out of network as well. ppo usually has a deductible and co insurance of about 70/30 up to 90/10.
    References :

  3. Insurance Pickle.com on March 18th, 2010 at 1:50 am

    An HMO usually (unless it’s an Open Access plan) requires referrals to see specialists. A PPO does not.
    References :

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