HMO vs. PPO

HMO (Health Maintenance Organization)

Select a primary care doctor from the plan network and he or she directs your medical care. This doctor gives you referrals when you need to see a specialist, like a dermatologist. Also, with an HMO, you must go for medical care within your plan’s network – or you won’t be covered (except for emergencies).

PPO (Preferred Provider Organization)

Visit any doctor – in the network or out as there are no referrals. Moreover, you don’t have to pick a primary care doctor.