A: I am calling to purchase health insurance. B: Do you have health insurance now? A: I was on my parents' policy, but I need to start buying my own. B: You can purchase an HMO or a PPO. Do you know what you want? A: I don't know what I want. B: Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors. A: When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO? B: The payments are a little lower for an HMO as long as you go to their doctors. A: How much will a PPO cost me per month? B: We need to factor in many things. Why don't you come in, and we will have you fill out a questionnaire.
