Which Health Insurance Is Best HMO Or PPO? 
An HMO tends to be more restrictive than a PPO . Please understand what happens if get treatment `` out of network '' . Do you have a `` PFFS '' - private fee for service '' plan in your area . If so , if you are asking this question in relation to medicare the PFFS only requires you to call the doctor yuo wish to go to and ask them if they accept the PFFS plan . 