An Health Maintenance Organization (HMO) is for people who:
- Want to holding down premiums by limiting medical choices
- Don't travel
- Don't want to fill out forms or keep receipts
- Want insurance that fully pays for routine and preventive care
- Don't mind waiting for an appointment
- Depend on their doctor entirely to recommend a specialist
- Are willing to give up some choices to hold down their medical costs
A Preferred Provider Organization (PPO) is for people who:
- Want to go to a specialist regardless of their doctors opinion
- Want freedom to choose doctors and hospitals even if it costs more
- Travel a lot or have children that live in other states
- Don't mind possibly filling out forms or keeping receipts
- Don't mind paying a percentage of office visits, checkups, shots, etc.
- Don't want to wait for an appointment
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