HMO vs. PPO
A high-level comparison of the two popular types of medical plans. Confidential unpublished property of EBS. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel.
HMO vs. PPO There are two main types of health plans: a Health Maintenance Organization (HMO), and a Preferred Provider Organization (PPO). The below outlines the main differences between these two types of plans. HMO PPO You must select a Primary You do not need to select a Care Physician (PCP) when PRIMARY CARE PHYSICIAN Primary Care Physician enrolling (PCP) You must visit providers You may visit any provider. Out- within your carrier's of-Network providers may cost NETWORK designated network more than in-network HMO plans typically cost less PPO plans typically cost more in COSTS in monthly premiums monthly premiums