What’s the difference between an HMO and a PPO?

A health maintenance organization, or HMO, is a type of health care plan that coordinates your care through a primary care physician. You’ll need referrals to see other doctors. An HMO plan usually won’t cover visits to doctors outside of the plan’s network.

A preferred provider organization, or PPO, is a type of health care plan that lets you visit any doctor you want. You don’t need a primary care physician, and you don’t need referrals. Staying inside your network gives you smaller copays and full coverage. If you choose to go outside your network, you will have higher out-of-pocket costs, and not all services may be covered.

Still unsure which type of plan is right for you? You can visit the What’s the difference between HMO and PPO plans? article in the Help Center to learn more.