Typically, a PPO will cost less per month, but have higher copays and deductibles. The HMO will have lower copays and deductibles, but cost more per month.
We have an HMO. We've got kids, and kids get sick. We see the doctor regularly. So it's more cost effective for us to have the HMO.
If you're single, and see the doctor once a year or less, it's probably going to be more cost effective to have the PPO.
But run the numbers, see what happens.
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Which plan is better for Anthem health insurance : "PPO" OR "HMO"?
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