HMO vs. PPO: How They Compare and Why GetErDone Insurance Can Help You Find the Right Fit
- Oct 3
- 3 min read
Updated: Nov 14
When you start shopping for health insurance, you’ll almost always run into two big choices: HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans. The terms can be confusing at first glance, and it’s not always clear which option is best for you or your family.
At GetErDone Insurance, we break it all down in plain English. In this guide, you’ll learn:
What HMO and PPO plans really mean
The pros and cons of each type of plan
How to figure out which plan fits your lifestyle, travel, and healthcare needs
Why working with Devin McHazlett and the team at GetErDone Insurance makes choosing the right plan a whole lot easier
By the end, you’ll know the key differences between an HMO and PPO, and you’ll see why having a trusted advisor by your side can save you time, money, and stress.
What Is an HMO?
An HMO requires you to choose a primary care physician (PCP) who manages most of your care. This doctor becomes your go-to for checkups, health issues, and referrals to specialists.
The catch? You’re expected to stay within a set network of doctors, clinics, and hospitals. If you go outside the network (except for emergencies), the plan usually won’t cover the costs.
Why People Choose HMOs
Lower premiums and out-of-pocket costs. HMOs typically have cheaper monthly payments and smaller copays, which is a big plus for families or anyone watching their budget.
Simple, coordinated care. Your PCP is your “home base,” which means less confusion and fewer overlapping treatments.
Great for chronic conditions. Centralized care helps avoid duplicate tests, conflicting prescriptions, or gaps in treatment.
The Downsides of HMOs
Limited provider choice. You may have to change doctors if yours isn’t in the network.
Referral required. Want to see a specialist? You’ll need your PCP’s referral first.
Not travel-friendly. Routine care is usually only covered within your home network area.
What Is a PPO?
A PPO offers much more flexibility. You can see any doctor or specialist you want, no referral required. Staying in-network saves money, but even if you go out-of-network, the plan still covers part of the bill.
Why People Choose PPOs
Freedom to choose providers. Pick your own doctors and specialists without waiting on approvals.
Wider coverage area. Perfect for people who travel often or live in multiple states.
No gatekeeper. You manage your own care and can book specialists directly.
The Downsides of PPOs
Higher premiums and deductibles. You’ll pay more each month for the added flexibility.
You’re in charge. With no PCP coordinating everything, it’s up to you to track prescriptions and appointments.
Out-of-network costs. While covered, they can add up quickly.
HMO vs. PPO: Which Is Right for You?
The right plan depends on your lifestyle, budget, and health needs. If you like lower costs and a straightforward approach, an HMO may be best. If you want flexibility, travel often, or need quick access to specialists, a PPO is usually the better fit.
Why Work With GetErDone Insurance?
Health insurance isn’t one-size-fits-all, and the wrong choice can cost you big. At GetErDone Insurance, we make it easy:
Personalized guidance. Devin takes the time to learn about your family, your health needs, and your budget.
Plain-language explanations. No confusing jargon. We’ll show you exactly what’s covered and what’s not.
Ongoing support. Choosing a plan is just the beginning. We’ll be here to help you adjust coverage, file claims, or answer questions whenever you need us.
Ready to Choose the Right Plan?
Don’t let health insurance stress you out. Contact GetErDone Insurance today and get coverage you can count on.
👉 Visit www.geterdonehealth.com to schedule your free consultation.
Get Covered. Get Confident. GetErDone.
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