Health Insurance · Comparison
HMO vs PPO Health Insurance
HMO and PPO are the two most common types of health insurance plan networks. HMOs require you to use in-network providers and get referrals for specialists. PPOs allow you to see any provider without a referral, but in-network care costs less.
HMO vs PPO — Key Differences
| Feature | HMO | PPO |
|---|---|---|
HMO: in-network providers only, referrals required for specialists, lower premiums | ||
PPO: any provider, no referrals required, higher premiums | ||
HMO: lower out-of-pocket costs when using in-network providers | ||
PPO: flexibility to see any doctor, including out-of-network (at higher cost) | ||
HMO is better for people who have established in-network doctors and want lower premiums | ||
PPO is better for people who want flexibility, see specialists frequently, or travel often | ||
The Patriot Plans Verdict
HMO is the better choice if you have established in-network doctors and want to minimize premiums. PPO is better if you want flexibility, see specialists frequently, or travel and need coverage outside your home area.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.