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Hm Vs Hmo Case Study

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3. Why might an individual prefer to belong to an HMO rather than a PPO, or to a PPO rather than an HMO? What are some primary differences between the two?
Health Maintenance Organizations (HMO) are state licensed health plans that are regulated by HMO laws that require them to include preventive care, such as routine physical examinations and other services, as part of their benefits package. The goal of the HMO health insurance plan is to reduce the cost of healthcare. HMO plans typically have the lowest monthly premiums among other health insurance plans which lower patient monetary responsibility. Patents are required to pick a primary care physician. The insurance plan will not pay for services that are not in their provider network.

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