She didn't have insurance and now she got it. The problem is, she found out that insurance won't cover the delivery because they told her pregnancy is "pre existing" condition. M...
My neighbors home has been vacant for 9 months or more.In Jan. a pipe in their home broke on the second floor no one knew this for a least a week!! It completely filled their basement (7' of ...
I lost a ring, filed a claim with State Farm, got it replaced, and found the ring underneath the fridge. I actually thought it was stolen. It went missing when there was construction going on in our ...
I recently purchased a home and then was forced out of town to work a week later, resulting in never moving in the house. While working 3hrs away my parents would check on the house occasionally, and ...
I am still waiting for my insurance to finish the inverstigation. I know for sure that my car is a total lost. I am paying for the car through a car loan ...
I have decided that I would like to have gastric lap-band surgery. Over the past 15 years my weight has yo yo-ed and I cannot seem to maintain the weight I lose. Please refrain from lectures on ...
Lets say you tell them you dont have any problems, then you get the health insurance then begin to see a doctor concerning your problem, knowing you have problems that should be treated, how will ...
There was a flood at my apartment this past weekend. I had to stay in hotels. I called my insurance and they said that they would not cover the stay, and since the flood was caused by faulty work by ...
HMO's are typically cheaper, with less out-of-pocket expense.
Michael
PPO is more expensive but i dont like being told what dr to see so go with ppo you will like it more in the end...it is worth it
derek
I hardly ever go to the doctor (sinus infection, etc.) and therefore I prefer the HMO because it's less expensive. The network of physicians is quite large with my HMO.
Mrs. Strain
I've always preferred PPO due to more choices. But check with people who have both in your network and see what they think.
witchy woman
My company is switching to a consumer directed health plan which is offered by Aetna. You are responsible for turning in your claims and where your money goes.
t_fudpucker
PPO is superior. You will be attended to by far better physicians, which is an important factor.
Take it from one who knows.
John
It is depend on your situation!
In Some States, there is only PPO available. HMO is available through the Group Insurance not from Individual.
Therefore, I recommend check with the licensed agent who you can trust.
The several real licensed agents will contact you with their best quote for your need once you enter your basic information.
Good Luck!
Nina
You can go for an O/A HMO (open access) which has similar coverage to an HMO but you don't need a referral. It is a good plan, but cheaper than most of the others. It depends what state your in.
mbrcatz
HMO's are cheaper, PPO's give you more providers to choose from, but the medical care is the same.
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
