What is an HMO v. PPO Health Insurer

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This video explains the difference between an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization) in healthcare.

Ashley Hodgson

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Your videos are amazing and super helpful. They are not full of jargon and unnecessary information. Thank you for all your helpful videos!

shantellbajerski

Excellent way to explain this health insurance lingo which can be really confusing. Thank you!

chrisarredondo

I would LOVE to hear actual OPINIONS of what real humans think of both! Because the “differences” are explained clearly on every insurance handout one gets when signing up!

jf

In the United States, a health maintenance organization (HMO) is a medical insurance group that provides health services for a fixed annual fee.

It is an organization that provides or arranges managed care for health insurance, self-funded health care benefit plans, individuals, and other entities, acting as a liaison with health care providers (hospitals, doctors, etc.) on a prepaid basis.

The Health Maintenance Organization Act of 1973 required employers with 25 or more employees to offer federally certified HMO options if the employer offers traditional healthcare options.

Unlike traditional indemnity insurance, an HMO covers care rendered by those doctors and other professionals who have agreed by contract to treat patients in accordance with the HMO's guidelines and restrictions in exchange for a steady stream of customers.

HMOs cover emergency care regardless of the health care provider's contracted status.

SuperGreatSphinx

She reminds me of Danica McKellar from the Wonder Years...aka Winnie Cooper.

tanitrarobinson

Ashley what would be the best if your on dialyss 3 times a week 3.5 hrs and you want to travel in the western US as a Full or Part time RV'er?

DavidSmith-vond

Yeah I notice you didn't say much about hmos and how bad they are for this country

scott

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