In Catonsville, MD, HBW Insurance Group offers medical insurance to the larger metropolitan area, but we provide many choices for your health insurance. When shopping for medical insurance, your options include health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Which would you prefer?
How HMOs Work
HMOs typically offer lower premiums, so you pay less monthly, but they offer a small provider network and less freedom to choose your own doctor or treatments. You’ll need to pick one primary care physician (PCP) and go to that doctor regularly. HMOs require you to obtain a referral from your PCP before visiting a specialist.
An HMO plan focuses on preventative care and coordinating your treatments. With an HMO, you’ll have limited or no out-of-network coverage.
How PPOs Work
PPOs offer more extensive provider networks. You get greater freedom of choice with one of these plans. Although you still need to request permission through a referral for most tests and medical procedures. You don’t typically need a referral to see a specialist, though. A PPO’s premiums cost a little more monthly, but you will have out-of-network services.
Making Your Decision
Because HBW Insurance Group offers many choices, we recommend you phone or email us for an insurance consultation. We serve the Catonsville, MD area with both options so that you can choose an HMO or a PPO.
It depends on whether you want to spend a little less on monthly premiums or more choices in medical care. Contact us today to start your interview and purchase health insurance that can help protect you. Today’s plans offer preventative care and treatment for medical issues; let us help you choose.