What is the difference between a PPO and HMO plan?

An HMO plan requires you to designate a Primary Care Physician (PCP) and are not available to out-of-state employees, or employees who live outside of the carrier's established network area.

Alternatively, a PPO plan offers nationwide coverage and enrollees can see any doctor any time with a PPO plan; a referral from a Primary Care Physician (PCP) is not necessary.

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