PPOs may have less comprehensive benefits than HMOs, but the benefits usually can meet almost any need. PPO providers usually collect payments directly from insurers. Comprehensive benefits typically include preventive care, such as physical examinations, well baby care and immunizations, and stop-smoking and weight control programs. The main characteristics of HMOs are as follows. There is no coverage outside the HMO network of hospitals and physicians.
Costs are lower, due to limited choice.
The employer prepays HMO premiums on a fixed, per employee basis. Employees do not have to apply for reimbursement of charges, but they may have small copayments for medical services. Dental Benefits Medical insurance frequently includes dental plans. Crowns and dentures. A disability plan provides income replacement for the employee who cannot work due to illness or accident.