I'm no expert, but from what I understand, HMO's are generally cheaper, but they're much more strict about what they cover. I have an HMO, and fertility treatments was 100% out of the question.
The nice thing is the ow co-pays - $15 for visits, $20 brand name drug, $5 generic drugs
PPO's cover more, but they're more expensive. I don't know how much the premiums differ, but as far as co-pays, my parents have a PPO. They pay $30 for a visit, $40 for brand name drugs and $15 for generic drugs.
Of course, every plan is completely different, but from what I understand, you pay more money out of pocket for PPO but you have much better coverage.
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~*~Bekki (25)
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Josh (33)~*~
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