Which One Is Best For Me?

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.

Call For FREE Help (702) 898-0554

What is the difference between HMO and PPO?

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.


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.


Get a Fast & Free Online Quote

Call Us For Assistance
(702) 898-0554

Short Video

What is an HMO?

What is a PPO?

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.

Lower Cost

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

Selecting a Primary Care Physician (PCP)

With an HMO plan, you’ll select a Primary Care Physician who will be your contact for all your healthcare and they will connect you to specialists or other health care providers.

Related Articles:

Health Insurance | Out of Pocket Maximum

How to Choose the Right Health Insurance Plan

Health Insurance: In Network or Out-of-Network?

What Is a Health Insurance Network?


Read More: Health Insurance in Las Vegas, Nevada


Call us for assistance

(702) 898-0554


Serving Las Vegas, Henderson, North Las Vegas and the entire state of Nevada

Three Ways to Enroll

1).  Apply by Phone

(702) 898-0554

2).  Apply in Person

(by appointment ONLY)

Please call to make an appointment

3).  Online Quote

Path Image - Insurance is confusing

Search This Website

Enter a search term here

Generic filters
Exact matches only
Search in title
Search in content

Why Go Anywhere Else?

When you can have an experienced and caring professional guide you.
Insurance Quotes | Plans | Coverage
Nevada Insurance Enrollment small logo - Insurance Agency in Las Vegas, Nevada
Read why it’s smart to use an insurance agent