What is an HMO?
HMO is a health maintenance organization. It’s managed health care. Your doctor is your “primary care physician” or PCP. You must see your PCP to get a referral to see a specialist. It’s a “closed” network of providers, meaning you have no coverage if you go outside the network. Is it right for you? Watch the video to see.
What is a PPO?
A PPO is a Preferred Provider Organization. The preferred providers, doctors and hospitals, are your “in network” service providers. You get a negotiated, reduced cost for services in network, you pay more outside the network. The vast majority of health plans are PPO.
Insurance for the Self-Employed
If you are self-employed you do not have the luxury of having insurance benefits offered by the company you work for. The good news is…you can build a personal policy that includes what you want and leaves out what you don’t want. Group insurance is one size fits all, take it or leave it. When you’re on your own, it only has to fit you.