What’s the difference between a PPO and HMO? Having a PPO, you can go to any health care professional you want without a referral, inside or outside of the plan network. However, keep in mind that you still will usually see higher out-of-network costs or might have to meet a separate out-of-network deductible.
With an HMO, you pick one primary care physician who will coordinate all your health care services. Your doctor keeps track of all your medical records and provides routine care. You’ll need a referral from your primary care physician to see a specialist, except in an emergency. Without a referral, your insurance won’t cover the cost of your care. There is not an “in-network” list of specialists with an HMO because your primary care physician is responsible for sending you to the specialist of their choice.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.