Question

Why are the premiums for a PPO health insurance plan generally more expensive than those for an HMO Health Insurance Plan?

Answer 1

A. PPO insurance plans offer a wider choice of primary care doctors and specialists.

Answer 2

PPO offer higher flexibility in terms of choosing service provider even from outside its network list.

Step-by-step explanation:

PPOs are more expensive than HMOs in case of terms of plan premiums. A PPO plan is flexible in terms of its service especially in case of choosing a care provider. Like HMO, PPO also give exposure to its networks of healthcare providers but give an added advantage in terms of arranging specialist care taker even if they are out of network. Therefore, PPO offers higher patient choices and also reimburse their expenditure for out of network service.