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Basics of HMO and PPO plans

What is a HMO?
What is a PPO?
Which do you feel is better?

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The HMO or health maintenance organizations are entities that focus on preventive services and wellness. The organizations have a predetermine range of health care services allowed and use a primary care physician as "gate keeper" to coordinate care and utilization of services. The patients are restricted to use those providers of services that participate with the insurance and health care services approved.
The patient requires a referral from the primary care provider to access those services. For most specialized services, the primary care physician is responsible to provide the insurance with the appropriate information. The insurance then proceeds to review treatment requests for appropriateness ...

Solution Summary

The solution includes an explanation of what is a PPO or preferred provider organization and a HMO or health maintenance organization, how they work, and their advantages and disadvantages.