fbpx
Menu

HMO or PPO: Which is Better?

There is no rule of thumb, but generally speaking, HMOs usually offer lower out of pocket costs, but they also come with more restrictions. PPO plans offer more flexibility, allowing you to see more doctors and specialists without a referral. They also typically offer more out-of-network coverage, but they often come with higher healthcare costs.

Which Plan is right for you?

PPO

  • More doctors and specialists to choose from
  • No Referrals
  • Great for travel

HMO

  • Typically HMOs have lower healthcare costs
  • HMOs also usually have a smaller out-of-pocket maximum
  • Last but not least, HMOs usually include more of the "goodie benefits" such as additional money for dental for example.

Ultimately, the best way to determine which plan is right for you is to consult with a licensed Medicare insurance agent who can help you weigh the pros and cons and find a plan that meets your unique needs.

At First American Mutual, we specialize in Medicare insurance and can help you navigate the complex world of healthcare coverage. Contact us today to schedule a consultation and learn more about your options.

Click Here: Talk to an agent
Contact
1 (877) 204 5030
support@1stamericanmutual.com
PO Box 1042, Crystal Beach, Florida, 34681
Facebook Twitter

I expressly consent to receive phone calls via automatic telephone dialing system or by artificial and/or pre-recorded messages, and by emails and text messages from licensed sales agents of First American Mutual, affiliates, partner companies and their partners at the telephone number above, or any telephone number associated, including by wireless phone number, message and data rates may apply. I understand that my consent to receive communications in this way is not required as a condition of purchasing any good or services. A licensed sales agent will contact you about Medicare/health and life insurance plans by phone or email, regardless of do not call status. Submitting this form does NOT affect your current Medicare Part A and Part B enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, Medicare Supplement plan or other Medicare or insurance plan. I expressly consent to be contacted by First American Mutual, affiliates, partner companies, and their partners, and I acknowledge that I have read and understand the Privacy Policy of this site and agree to be bound by it. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov  or 1–800 MEDICARE to get information on all of your options. 

Not affiliated with the U. S. government or federal Medicare program.

Privacy Policy

Accessibility Statement