Quote:
Originally Posted by JasonJayhawk  Instead, the HMO and PPO were different in the percentage of costs paid and the number of doctors available. The PPO had more doctors and was an 80/20 payment, whereas the HMO cost a lot more (twice as much per month!), but was $20 copays for primary and specialist visits. |
Interesting....my PPO works the same as the HMO option if I stay in network with regard to doctors and copays eveything is the same. The PPO affords the opportunity to go directly to a specialist without a referral. Yes, the PPO does also have out of network providers for 80/20 coverage (I have not used this option). HMO is the cheaper option. My employer has a HSA (cheapest of all) option too. Designed for those that are in good health and rarely see the doctor. Health Savings Account is just one step above not being insured at all.
