You have an hmo insurance plan in Virginia your husband spends a lot of time in New York and is not covered by your hmo if you switch to a ppo will he be covered in N.Y. and if he is will it cost more

Answers:1   |   LastUpdateAt:2012-01-31 23:16:49  

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lynx
Asked at 2011-12-29 19:55:48
You have an HMO insurance plan in Virginia her husband spends so much time in New York and is not covered by your HMO if you switch to a PPO to be covered in NY and if you are going to cost more
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Answer1HugAnswered at 2012-01-31 23:16:49

yes and yes. < / P >

HMO provides coverage for only network providers and a PPO plan will cover both inside and outside the providers network. That's the main difference between the plans.

however , PPO rates are generally higher than the HMO. < / P >

Also, if you use a non-network provider , reimbursement is almost always based on an agreement to deductible / coinsurance with the general plan , or paying 70% or 80 % of the bill after the deductible is has paid for you . < / P >

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