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HMO vs. PPO , which win?
HMO vs PPO reviews
Pros of HMO:
- Premiums are typically low
- Easy to find healthcare providers
- Cash rewards and other perks are often offered
Cons of HMO:
- Must choose a primary care doctor
- Need a referral to see a specialist
- Cannot use out of network providers
- There is no need to choose a primary care physician with a PPO program, so that gives employees a little bit more flexibility when choosing healthcare.
- Employees also have the option of going out of network for care as well, which is not an option in some other types of plans.
- One of the biggest benefits is that there is very little paperwork for both the employee and the employer.
- For employees, a PPO is one of the higher cost options. That does not necessarily mean the employer will pay more, but it could have that implication.
- Employees may need pre-authorization for certain types of care, and this might be something that the employee would have to handle themselves.
- If the employee needs to move out-of-network, then costs can add up quickly.