Health Insurance

Health insurance is insurance that provides coverage for health-related needs. It helps you pay for medical bills. The type of health care covered by your health insurance plan depends on the type of coverage, deductible you choose, and the amount you pay for the premium.

When learning about health insurance, you may often hear the terms HMO and PPO. These are two different types of health plans that are often offered by health insurance companies in the United States. It's important to understand the difference between an HMO and PPO when choosing health insurance.

Health Maintenance Organization (HMO): An HMO is a type of health plan that provides a network of doctors, other health care professionals, hospitals, laboratories and other related services. You usually have to select from providers within your HMO's network or the care you receive won't be covered by your health insurance.

Preferred Provider Organization (PPO): A PPO is a type of health plan that also provides a network of doctors. However, the network is larger than an HMO, and you can go to any of the doctors, health care professionals and hospitals within that plan. You usually do not need a referral to go to a specialist. However, the costs can be more if a plan participant goes to a doctor or uses a service by a provider not within the plan. Usually, the premiums for a PPO are more expensive than the premiums for an HMO.

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