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what is the difference b/t HMO & PPO? (health insurance)

we are trying to find a pediatrician in our town, they accept our health insurance company but then they ask are we HMO or PPO and we are HMO, they say they do not accept HMO... i was wondering what the friggen difference was...please help!


Asked by danette624 at 1:59 PM on Sep. 29, 2009 in About CafeMom

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Answers (2)
  • 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.

    Answer by sommertime15 at 2:22 PM on Sep. 29, 2009

  • thank you it was very helpful!

    Answer by danette624 at 2:28 PM on Sep. 29, 2009