What is the difference between HMO and PPO plans offered by Blue Cross and Blue Shield (FLA)?

HMO and PPO plans both offered by Blue Cross and Blue Shield (FLA) have distinct differences. HMO, or Health Maintenance Organization, plans require individuals to choose a primary care physician (PCP) to manage their healthcare. Referrals from the PCP are mandatory to see specialists. Typically, HMO plans have lower premiums and out-of-pocket costs, but individuals are limited to a network of healthcare providers. On the other hand, PPO, or Preferred Provider Organization, plans offer greater flexibility. Individuals can visit any healthcare provider, specialist, or facility without requiring a referral. PPO plans generally have higher premiums and out-of-pocket costs, but they provide a wider network of providers, allowing individuals to receive care outside the network. Ultimately, the choice between HMO and PPO plans depends on an individual's preference for cost, flexibility, and choice of healthcare providers.