What’s the difference between HMO and PPO?

HMO

1. You always have to see your primary care provider first when you’re experiencing a health issue.
2. Need a referral to an in-network specialist.
3. Must stay in-network to be covered.

PPO

1. Freedom to choose providers of your choice.
2. Can choose from in-network and out-of-network providers.
3. In-network and out-of-network will have different costs.