LAS VEGAS - nvtip -- You've probably heard the terms HMO and PPO. We created a simple side-by-side chart that shows the basic features of HMOs and PPOs. Remember, there is no right or wrong choice when it comes to selecting your health care plan. Having a clear understanding of these plans and how they work will help you in choosing the plan that's best for you, your family and your budget.

What is a PPO?
PPO stands for Preferred Provider Organization.  A PPO health insurance plan allows for more flexibility and more choices when it comes to your healthcare.  It offers a network of healthcare providers to choose from and you have the freedom to receive care from within that network or choose an out-of-network doctor, specialist or hospital without a referral.  Keep in mind, however, that your out-of-pocket medical costs are lower when you choose an in-network provider.

More on nvtip.com

• Award-Winning Author Zane Carson Carruth Featured in USA Today for Inspiring Mission to Nurture Young Hearts Through Storytelling
• Parkchester Oral & Maxillofacial Surgery Celebrates 450+ 5-Star Reviews
• The AI CEO Partners with D3 Hockey News to Elevate the Voice of Division III Hockey Nationwide
• Statement from the Campaign of Theodis Daniel, Republican for U.S. Congress (TX-18)
• Divine Punk Announces Happy Christmas, a Holiday Soundscape by Rebecca Noelle

Flexibility
PPO plans do not require you to choose a Primary Care Physician (PCP) and do not require referrals.  Let's say you have a doctor or specialist that you like and have been seeing for years.  With a PPO plan you could continue your visits whether they are in-network or out-of-network and without the need for a referral.

It is important to remember, that while you can receive care from any doctor, specialist or hospital you choose, you will save more money by choosing an in-network provider.

Higher Monthly Premium
The greater flexibility of a PPO often comes with a higher monthly premium, a deductible that must be met before coverage begins, and co-pays.  While you can choose to use doctors, specialists or hospitals outside of your network, there will be higher out-of-pocket costs associated with these visits.

What is an HMO?
HMO stands for Health Maintenance Organization. With an HMO plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. All your care is coordinated through that PCP.  HMO plans generally won't cover out-of-network care except in a true emergency.

More on nvtip.com

• $430 Million 2026 Revenue Forecast; 26% Organic Growth; $500,000 Stock Dividend Highlight a Powerful AI & Digital Transformation Story: IQSTEL $IQST
• Wzzph Deploys 5-Million-TPS Trading Engine with Hot-Cold Wallet Architecture Serving 500,000 Active Users Across Latin America
• Preston Dermatology & Skin Surgery Center and Dr. Sheel Desai Solomon Dominate Raleigh's Best Awards from The News & Observer
• $73.6 Million Multi-Year Backlog and Florida State Term Contract Drive Momentum for AI-Cybersecurity Pioneer: Cycurion, Inc. (N A S D A Q: CYCU) $CYCU
• Phinge "Test the Waters" Campaign for Potential Regulation A+ Offering, Continues for its Netverse Verified AI & Patented App-less Platform & Hardware

Lower Cost
With an HMO plan, your out-of-pocket medical costs and monthly premiums will generally be lower than a PPO.

Read the full article: https://www.nevadainsuranceenrollment.com/difference-between-hmo-ppo/
Learn more: https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/
Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com