HMO stands for Health Maitenance Organization. If you are a member of an HMO it should say on your insurance card. However, being a member of an HMO usually gives you limited access to doctors. With an HMO there are a select number of doctors that participate in that Health Maitenance Organization and usually have to choose a doctor from the list that your HMO gave you. With a PPO you have a much larger and more flexibility to choose which doctors you want to see. It stands for Preferred Provider Organization and you can usually choose your doctors in a PPO verses an HMO that gives you a list of doctors to choose from. I hope this helps.
at 2:22 PM on Sep. 29, 2009