HMO vs. PPO Which is right for you? What is an HMO? HMO stands for Health Maintenance Organization. Here's what happens when you join an HMO: • You’ll see a primary care provider (PCP) who will guide your care and refer you to specialists if needed • You’ll have access to in-network doctors and specialists • The cost of your care won't be covered if you see an out-of-network doctor, unless it’s an emergency • Many of our HMO plans don't require referrals to see specialists What is a PPO? PPO stands for Preferred Provider Organization. Here's what happens when you join a PPO: • You can see specialists without a referral • You can choose to see in-network or out-of-network doctors. But, with some of our PPO plans, you may pay more if you see out-of-network providers Always review your Summary of Benefits for your plan details