A: I need information on purchasing health insurance. B: Is this the first time you have had health insurance? A: This is my first time buying health insurance. B: You have a choice of HMO or PPO. Do you understand the difference? A: I am not sure what those are. B: Just so you understand completely: An HMO is a little cheaper, but you have limited choices of which doctor you choose. A: If I need to use my insurance, are the payments the same for a PPO and HMO? B: By going to the providers on the HMO list, you save money in out-of-pocket expenses. A: Can you give me a comparison between a PPO and an HMO? B: We can mail you a questionnaire and when we have all of your information, we will mail you a quote.
