{"id":343,"date":"2026-08-31T12:00:00","date_gmt":"2026-08-31T18:00:00","guid":{"rendered":"https:\/\/www.freeland-insurance.com\/blog\/?p=343"},"modified":"2026-08-18T06:23:33","modified_gmt":"2026-08-18T12:23:33","slug":"what-s-the-difference-between-an-hmo-and-a-ppo","status":"publish","type":"post","link":"https:\/\/www.freeland-insurance.com\/blog\/what-s-the-difference-between-an-hmo-and-a-ppo\/","title":{"rendered":"What&#8217;s the Difference Between An HMO and a PPO?"},"content":{"rendered":"<p>When you&#8217;re choosing health insurance, there are many decisions to make, including what type of health insurance to sign up for. There are many kinds of health insurance. Some of the most popular types of health insurance include HMOs and PPOs. Unfortunately, many people don&#8217;t know the difference between these two types of plans.<\/p>\n<p>The type of health insurance you choose can affect you for a long time. It can have consequences for your health and your experience of healthcare. It&#8217;s important to make a thoughtful decision based on having all the information.&nbsp;<\/p>\n<p>Your insurance agent at Freeland Insurance servicing&nbsp;Oklahoma City, OK can help. We can answer your question about different types of health insurance plans so you can make an informed decision.&nbsp;<\/p>\n<h2>What Is An HMO?<\/h2>\n<p>Health maintenance organizations, called <em>HMOs<\/em>, consist of a network of doctors, providers, and healthcare facilities that provide their services for a pre-determined amount. This pre-determined amount is what allows HMOs to set their rates. People with an HMO plan must typically stay in-network to get insurance coverage for their medical care.&nbsp;<\/p>\n<h2>What Is A PPO?<\/h2>\n<p>A PPO is a <em>preferred provider organization<\/em>. These health plans allow patients to choose providers inside or outside their network. Patients who choose providers in their own network usually pay less. PPOs give their patients the freedom to choose providers as needed.&nbsp;<em>&nbsp;<\/em><\/p>\n<h2>Which One Is Best?<\/h2>\n<p>The type of plan that&#8217;s best for you depends on your healthcare needs, budget, and more. HMOs often involve fewer out-of-pocket costs for patients, but also give insureds fewer choices. HMOs pay providers directly and can be more streamlined for patients, as long as they stay in-network. PPOs may require patients to pay doctors and make a claim if they go out of network.&nbsp;<\/p>\n<h2>Need Health Insurance? Call Today<\/h2>\n<p>Choosing a health insurance policy can be difficult. This is why many people turn to Freeland Insurance servicing&nbsp;Oklahoma City, OK. We&#8217;re here to help. Call today to speak with a helpful member of our team.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you&#8217;re choosing health insurance, there are many decisions to make, including what type of health insurance to sign up for. There are many kinds of health insurance. Some of the most popular types of health insurance include HMOs and PPOs. Unfortunately, many people don&#8217;t know the difference between these two types of plans. 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