No. of Recommendations: 2
So my new PCP refers me to an ortho and sports medicine clinic. I look them up and learn they are not in network. But I thought PPOs meant you have more choices than a HMO. Yes, but they are not all affordable choices.

Most PPO have their own websites where you can look up specialists to see if they are in-network or out-of-network. Your PCP probably doesn't know what other doctor's offices are in-network for your insurance plan. With a PPO, going to an in-network doctor means there will be lower co-pays (after any deductible is paid) than going to an out-of-network doctor.

I personally prefer a PPO because I see a lot of specialists, and I find it easier to be able to get an appointment without needing a HMO-referral each time I have an appointment. If I need a new doctor (for instance my internist moved out of the area so I needed to find a new internist) I usually ask a doctor I'm already seeing for the names of 3 doctors they would recommend. That way I can look them up with my health insurance's website to see which of them accept my insurance and whether they're in-network.

I don't know the size of your company, but there's no ACA against companies still offering an HMO choice. So you could always give your HR department feedback that you miss having an HMO choice - maybe they'll consider offering that again in the future.
Print the post  

Announcements

UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement