HMO vs PPO: What You Should Know If You Have A Chronic Illness or Disability

Health insurance tips for open enrollment and year-round

iWriteTee

--

Photo by Scott Graham on Unsplash

It’s open enrollment for people in Pennsylvania who are covered through the Affordable Cares Act. Pennsylvania uses Pennie as its official Healthcare Marketplace. In my last article about insurance scam sites and I urged people to go directly to Pennie.com or Healthcare.gov (if you’re outside of Pennsylvania).

My Google search was hijacked and directed me to a fraudulent 1–800 number. The company already had my coverage information, so I thought they were legitimate.

Unfortunately, they were scam brokers who attempted to take money out of my account several times. Luckily, my bank blocked the charges because the company was flagged by their fraud department and it worked out, but I still had to close my account, put a fraud alert on my credit report, order new cards and reroute payments.

Now that it’s open enrollment, I don’t want anyone else to get scammed or pick the wrong insurance. This article will explain open enrollment and some things you should consider when choosing a plan especially if you have a disability or chronic illness.

What is open enrollment?

This is the yearly period when you can buy health insurance. If you don’t enroll during this time, you can’t sign up until the next one, except in limited instances, called special enrollment periods. Pennie’s Open Enrollment Period runs yearly from November 1 to January 15. (Pennie.com)

I would use the website to shop around to compare different plans. There are different types of health plans: HMOs, PPOs, and EPOs. I’m going to focus on the two most popular: HMOs and PPOs. If you’ve always wondered what the difference is between an HMO and PPO here is some information to help you decide which type of insurance is best for you and your family.

--

--

iWriteTee

Top Writer, matriarch, educator & advocate with bylines in Zora, Momentum, An Injustice!, Illumination, Creators Hub, etc. Community Builder #FoodieFridays