What is an HMO, PPO, HDHP or EPO

[MarvinTurner]

If you are generally healthy (no major or chronic issues), live a low-risk lifestyle (minimal accidents, tears, fractures, breaks), and are responsible with your saving (to have savings to cover high copay and premium) consider the HDHP paired with an HSA.

If you are concerned with high deductibles but still want flexibility to see specialists at will without the oversight of a primary doctor, try PPO.

If you are bad with saving or extremely frugal and don't mind having the oversight of your primary doctor who can tell you where you can/can't go or what procedures you can/can't get, try HMO.

[jjeverson]

American health insurance is trash. It’s all about how I want to get screwed over

[randomdude]

as a doctor, I can really see how insurance made healthcare more complicated and expensive than it should've been.

[thomasjust]

This video shows how a sad state of affairs the system has become, politicians should have the same options as us, maybe that will motivate to do something about it

[pplywnt]

Thank you so much for this informative video. You explained so well and I am no longer confused. Thanks for making it so easy to understand.

[ebonezmagic]

HMOs are public defenders and ppos are your own attorney you pay outa pocket…SIMPLE…you get more with a ppo(OWN ATTORNEY) rather then hmo ( PUBLIC DEFENDER)!!

[skhy]

Well-made video. So very helpful- thank you!

[TieLanded]

Excellent video! Although you explained it well, this still doesn't make sense.

[Discovery_and_Change]

0:57 HMO's typically cost less, but give you fewer doctor choices
2:37 PPO's let you choose from lots of doctors but cost more
5:29 HDHP
5:58 HSA (Health Savings Account)
7:08 EPO (Exclusive Provider) - only contracted hospitals and doctors accept

[draconian]

Thank you. PPO sounds like the best bet for me and my situation.

[rogeliocordero]

Excellent video, It helped me a lot, awsome!

[iovsfzj]

It is a great video thanks for the great information and well delivered. This is exactly what I was looking for.

[blueprint]

Beneficial and easy to understand, thanks for the

[glory]

Thanks for video. Now I can choose the right plan for me.

[telsamorgan]

Extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.

[TheSoulCrisis]

Great in medical benefits with a new employer right now!

If you're needing to see multiple specialists in various domains, PPO is definitely the way to go since you can avoid continuous primary doctor co-pays by being forced to go through them as you would with the HMO plan. HMO is nice for those in small communities that generally stick to a doctor and don't require much outside of routine checks and tests. I love the flexibility of getting second opinions and not paying double co-pays, think I'll go for the PPO myself.

[brittneyharvey]

PPO definitely seems like a rip off to me. I pay a lot for mine and I’m switching back to HMO. I’m only 26😹

[manjukerur]

Can explain about 10 stages of claim adjudicatotion??

[nembhardandre]

Would be nice if we used actual words!...they used these letters to confuse us

[oeg]

I think both are expensive either way, I just started my new job and hmo is ridiculously expensive here in nevada for me and my kids i paid 50 dollar less at my prior job for ppo which i prefer i dont like hmo because you have to go get referrals for everything I like the flexibility of ppo. Also it depends on the company you work for the jobs at the las vegas strip which is union way better only 60 per check for the entire family and co pays arent that bad either.