Health Maintenance Organization (HMO) plans
An HMO works like this: if you choose an HMO plan type of insurance, you’ll typically pay just a small co-payment if you visit a physician or hospital within the plan network. HMOs often have lower premiums and co-pays than other plans. Whether you are getting group insurance or individual. Usually with an HMO plan they will not pay for non-emergency care if it’s performed by an out-of-network physician or facility.
Preferred Provider Organization (PPO) plans
When it comes to doctors, you are in a “provider network.” Unlike HMOs, PPO health insurance will cover some (but not all) of the cost of care administered by out-of-network providers.
When choosing a Blue Shield, Kaiser, Anthem, or any carriers you need the support of a broker who knows how to help you with any questions you might have.
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