In an HMO, you choose a family doctor, called a primary care physician (PCP), who provides the services you need. Your PCP refers you to other doctors or health care providers within the HMO network when you need specialized care. Typically, only emergency services are covered if you go outside of the plan network. HMOs usually have the lowest premiums.
In a PPO, you don’t have to choose a primary care physician (PCP), and you can go to doctors in or out of the health plan’s network. You can see doctors, hospitals, and other health care providers of your choice, such as a heart doctor, but you will pay more if your doctor does not participate in your health plan’s network. PPOs tend to have higher premiums than HMOs.
You can use the Independence Blue Cross plan comparison tool to find a health plan that best matches your needs, view your lowest cost plan, and/or a plan that is most popular for individuals like you.