Why would a person choose a PPO over an HMO?

With an HMO plan, you pick one primary care physician. All your health care services go through that doctor. That means that you need a referral before you can see any other health care professional, except in an emergency. Visits to health care professionals outside of your network typically aren’t covered by your insurance.

PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral inside or outside of your network.

Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.

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psm22415 psm22415 · Answer 2 · 2021-11-20T11:19:44+01:00

PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral inside or outside of your network.

Staying inside your network means smaller copays and full coverage.

HMO providers are paid on a per-member basis, regardless of the number of times they see a member.

This makes HMO plans a more economical choice than PPOs. An HMO generally only covers care received from the plan's contracted providers, known as “in-network” providers.

PPO plans generally are more expensive than HMO plans. However, due to the pooling of people in a PPO network, fees associated with health care will be lower for participants.

In other words, you will pay far less for services if you are in a PPO plan vs. not having insurance at all.

So, the person choose a PPO over a HMO.

For details about PPO and HMO click the link given below.

https://brainly.com/question/13216750