HMO or PPO? Which do you prefer?

[bigbadassdude]

Tough decision here. The HMO is blue/cross blue shield.

 

[gonelifting]

It's a personal choice. If all your Drs. are in the cheaper one, go for it. People generally want more choices to see their own Drs. If they are already in the plan's choices, then you shouldn't have to pay extra to see them.

Perdonally I always went with as PPO because I liked to go to specialists without any referals

 

[75th]

Perdonally I always went with as PPO because I liked to go to specialists without any referals

+1

 

[silverstar1025]

It's a personal choice. If all your Drs. are in the cheaper one, go for it. People generally want more choices to see their own Drs. If they are already in the plan's choices, then you shouldn't have to pay extra to see them.

Perdonally I always went with as PPO because I liked to go to specialists without any referals

+1 PPO was always the way to go with me. My hubby held the insurance when he was working corporate. Now that he is not I had to switch to HMO and get it through my company and it sucks! My company doesn't contribute enough and PPO is way too expensive for family every month.

 

[swole]

i have sick insurance

paid $300 out of pocket for a root canal and crown!!

(single moms - plz inquire via PM for being a possible dependent)

 

[musclemom]

I don't trust the medical industry so I'd always go for the PPO.

 

[velvett]

Perdonally I always went with as PPO because I liked to go to specialists without any referals

BINGO!

HMO doctors are trained gatekeepers they are rewarded by NOT sending you to a specialist.

 

[Lestat]

PPO of course

 

[Jon79]

i have sick insurance

paid $300 out of pocket for a root canal and crown!!

(single moms - plz inquire via PM for being a possible dependent)

fatty

 

[gjohnson5]

PPO plans generally cover more issues as well as have a larger network of doctors
HMO's generally cost less due to the items above
I would always go with the PPO