HMO vs PPO

Hmo Delivery

Network of doctors,only use in network, need primary care providers for referral.

PPOs-cost- Managed care

co-pays(in network doctor visits), Coinsurance(lower in network, higher out of network), deductible, discounted fees.

HMOs managed care -cost

co-pays, deductibles, coinsurance

PPO pay provider

discounted fees

HMO pay provider

discounted fees, capitation

PPO Delivery

network of doctors, offer in and out of network, don't need referral.