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 My homeowners insurance was just cancelled because I have a Rotti... What insurance compnaies allow them?
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 Why do you not like UL insurance policies and prefer term life?
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 Which Insurance companies are pretty reasonable(cheap)?
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 Can you borrow money(ies) off of your life insurance. I know you may have to do a 1099IRS form the end of year
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 Paid Family Leave, will my BF qualify?
I will be 39 weeks tomorrow and was just wondering since my boyfriend and I are not married, will he be able to qualify for paid family leave if he pays into SDI?
Additional Details
He ...


 How does Mr. Obama plan to finance his "health insurance for everyone" plan?
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 I need family medical/dental insurance, where do people get this if they are self employed?
We currently have very good insurance through my husband's work. He is in the process of starting his own business and will be leaving his current job soon. I am very concerned about finding ...


 Is it standard procedure for home insurance agents to visit your house before they insure it?
I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance ...


 Does auto insurance really go down when you get married?
I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significant? Do you have to be married before you turn 25 for this to apply? I have heard so many ...


 Should my baby have insurance coverage?
I am 34 weeks pregnant. I am on my dad insurance and they are paying 100% for the delivery. They said they will not paying anything for the baby once he is born though. I have been told by some ...


 Cheap quote for home contents insurance for tenants in common.?
A friend and I have recently purchased a flat together as tenants in common. We only need home contents insurance. Buildings insurance is joint with other flats in the block. Our current quote is Â...


 What is the return policy for anything with/without receipt?
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 Private Belongings Stolen From Work - will their insurance pay?
Hi,

my wife has had her place of work broken into over the weekend and a xmas present she'd had delivered to work has been stolen along with other goods (of her employer).

W...


 Is the travel insurance from 'Flexi cover direct' any good?
I dont know if I can trust a company ive never heard of!...


 How do I go to the doctor without my insurance card?
My insurance was effective the day I signed up, but I still have not received my card. How do I go to the doctor without it?...


 Can a car insurance company change there rate after a policy is paid for in full?
Was quoted a rate which was agreed on and paid for in full proof of insurance was sent to my bank and car dealership. However, I had to back out of picking up my new car on sunday because I got a ...


 If I have a treatable but possibly fatal disease, and no insurance,will the US health system let me die?
I live in South Dakota, from MN. I know MN has state coverage, does anybody know if SD has something similar. I'm worried about my girlfriend's Hyperthyroidism, she needs to see a doctor....


 My health insurance expires in 2 hours, what should I do?
Im covered under my mothers health insurance and it expires when I turn 19. Any good health insurance plans out there....


 Will insurance cover an accident where the driver had revoke drivers license?
My girlfriend was recently in an auto accident. There were no other vehicles involved, however she take out a utility pole and the insurance is in my sisters name. Will the insurance pay for the pole?...


 About workmans compensation insurance?
First where would I acquire it for an employee. And secondly how much is it gonna cost me. It keeps me from hiring, because I dont know how I will ever be able to give a bid that will cover that and ...



ambtay79
Whats better ppo or hmo??
just wondering which is better??
                     
 




Melissa
I've always been in good health and before I was married and had children, I always chose the HMO because it was cheaper and I didn't mind going to my primary care physician for the rare instances when I needed to see another doctor (once, I think for a dermotologist). Now that I have children, I choose the more expensive PPO because I can go to any doctor without a referral (although benefits are better if you choose one of their network doctors, you don't have to if you are willing to pay the difference). If you have a medical issue that requires frequent visits to multiple doctors, you will find the HMO to be a hassle of approvals and referrals.


LadyC
Rating
PPO is better because you do not need referrals to see specialists. You have more of a choicewith PPO's then HMO's.


mamatohaley+1
I have an open access HMO and I love it. I do not need referrals. My plan did not use to be open access, it used to be regular HMO and I would need referrals from GP. Even then I loved it. $15 for a doctor appt, $280 to have a baby.


Wonder
PPO is much better. Your choice of doctors. But the co-pay may be higher. Also check to see if the PPO pays the same or less for tests - blood test, x-rays, etc.

-MM


*~♫=♡=♫~*
WATS BOTH?


Spiderman
Ambtay hello.It really depends on your needs and medical situation.However,I prefer a preferred provider orginazation over hmo.You get better recognized care,doctors,dentist etc. and also your cost is reduced for better savings.If you saw the movie John Q with Denzel Washington you can visualize the effects of an HMO.It limits you to specific doctors and usually only pays a specificied amount for services.


tommybear45
see Sicko & call me in the morning


mbrcatz
Level of care is about the same. A PPO has a lower monthly premium, but higher copays. The HMO has higher monthly premiums, and lower copays. It depends on how much you're planning on using it.


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