In my experience, PPOs are nearly as restrictive as HMOs, but far more arcane.
I have had many experiences where in attempting to see a doctor, I find one that seems to accept my insurance, only to later discover that they only accept the platinum plan, and I’m on the Platinum PLUS plan, so actually none of my visits were covered.
With an HMO (I had kaiser, which was by far the best healthcare I’ve ever had) shit was obvious. You got treatment from the HMOs offices, and you were covered.
In my experience, PPOs are nearly as restrictive as HMOs, but far more arcane.
I have had many experiences where in attempting to see a doctor, I find one that seems to accept my insurance, only to later discover that they only accept the platinum plan, and I’m on the Platinum PLUS plan, so actually none of my visits were covered.
With an HMO (I had kaiser, which was by far the best healthcare I’ve ever had) shit was obvious. You got treatment from the HMOs offices, and you were covered.