You can't just say HMO vs PPO - you have to look at the list of benefits.
I used to think HMOs were across the board bad... but with DHs old company we had a choice of PPO with no infertility or HMO with full infertility except for IVF. I don't know why they didn't cover IVF...
I was for the most part really happy with the HMO - but it was Kaiser Permanente which seems to be well known for having their act together. The one thing in the end I didn't like about it is how heavy handed they are when it comes to pushing multifetal reduction on women who concieve higher order multiples through the infertility clinic - one problem with an HMO is if you try to get a second opinion within the network you may be just asking a different person who has the same goals/policies/etc in mind. But up until those last few horrible months, I was really happy with the HMO and miss a lot of aspects about it. (Though there were some aspects I hated - like there being a big call center you'd call for advice/appts rather than actually knowing your doctor's phone number)
You would need to talk to someone in HR to get a full breakdown of benefits and what they really mean.
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DS b. 11/16/03
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DDs b. 3/28/08
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X2
"We've tried to wash our hands of all of this
We never talk of our lacking relationships
And how we're guilt-stricken, sobbing, with our heads on the floor
We fell through the ice when we tried not to slip..."
- the verve pipe |