HMO vs. PPO

What is a health maintenance organization (HMO)?

An HMO is a type of health plan that requires you to select a family doctor, often called a primary care physician or PCP. If you are in an HMO, you have access only to those providers within the specific HMO y...

What is a preferred provider organization (PPO)?

A PPO is a type of health plan that allows members to see providers in and out of the network. You pay lower costs when you see network providers. But you can go outside the network and pay more for your servic...

What's an EPO?

EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. The network is usually br...

How do I find a doctor in my HMO?

Click to view video If you are in an HMO (health maintenance organization), you have access only to those providers within the specific HMO you are contracted with. An HMO requires you to select a ...

How do I find a doctor in my PPO?

Click to view video If you are in a PPO (preferred provider organization) you have access to providers both in and out of the network defined by your plan, with different cost sharing levels. You p...