Interactive Comparison
PPO vs HMO — Interactive Comparison
PPO gives you broader networks, no referrals, and partial out-of-network coverage — for a higher premium. HMO gives you a narrower network and required referrals for a lower monthly cost.
| Feature | PPO | HMO |
|---|---|---|
| Primary care doctor required | No | Yes |
| Referrals for specialists | No | Yes |
| Out-of-network coverage | Yes (higher cost-sharing) | Emergencies only |
| Network breadth | Broad — often national | Narrower — usually local |
| Monthly premium | Higher | Lower |
| Best for | Travelers, established specialist relationships | Local-only care, lowest premium |
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