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.