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Medicare Advantage Plans

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HMO & PPO… What’s the difference?

Ever wonder what makes an HMO plan different from a PPO plan? Or, what exactly is a Consumer Directed Health Plan (CDHP)? Here are some basic facts:

When you sign up for an HMO plan, you select a Primary Care Physician (PCP) from a network of doctors. Your PCP is your first point of contact for most of your health care needs. HMO plans generally have lower premium costs than other types of plans.

Like HMO, PPO plans feature a network of physicians and hospitals. With a PPO plan you do not have to choose a PCP. PPO premiums are usually higher than HMO plans; however, you can save money by receiving care from in-network providers.

Consumer Directed Health Plans (CDHPs) often consist of a high-deductible plan, paired with a Health Savings Account. Premiums with CDHPs are often lower than other plans because you are responsible for a greater share of your health care costs. With an HSA, you can contribute to the account and use the money to cover a wide range of medical expenses.

Testimonial Doug really made me feel at ease with my decision to keep my doctors. Thank you for making this an easy transition. Arthur Brown, Albuquerque
Testimonial Marc was so patient in explaining the benefits to me. After he left I felt as if I understood my benefits better than I ever had in the past. Thank you for having him come out to my house to meet with me. Cecilia Garcia, Albuquerque
Testimonial Beverly, Bless your heart for helping me during this transition. I was scared and confused and didn’t know who to turn to. After coming to speak with you I felt at ease. I am glad that I am all taken care of and don’t have to worry about losing my doctor. Teresa Duran, Albuquerque

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