Is My Health Insurance PPO Or HMO? 
Many health insurance companies offer both PPOs and HMOs . In general , HMO policies tend to be less expensive , while also including many more restrictions on your benefits , especially in terms of which medical providers you can use . PPOs tend to be more expensive , but also offer you the option to see a much wider variety of medical providers , usually without the need for a referral before seeking care from any specialists . 