Most Georgia major medical plans are PPO contracts, but there are a few HMO plans.
Group plans through an employer come in different flavors, including PPO, HMO and POS.
So what is the difference?
Each has advantages and disadvantages. One is not inherently bad while another is good.
Like everything else, it depends on what you need.
I have several clients in HMO plans who would never change, and likewise for PPO plans.
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