Multiple factors determine what healthcare plan option is the best one for you. The preferred provider organization plans are better suited for those customers who require regular hospitalization and frequently need a specialist. This is because PPO is flexible and allows you to bypass seeing a primary care physician every time you require specialist care.
On the other hand, a health maintenance organization (HMO) offers lower premiums and out-of-pocket costs. But you and your family have a primary care doctor that you have to go through for most medical services. Seeing a specialist through an HMO plan requires a referral from the primary care doctor, which obligates you to an additional office visit.