A key difference between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO) is that an HMO typically:

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HMOs emphasize managed care: members generally must use in-network providers and often select a primary care physician (a gatekeeper) who coordinates care and referrals to specialists, in exchange for lower costs. A PPO offers more flexibility, allowing out-of-network care at a higher cost, so identical cost sharing in and out of network is not accurate for either an HMO or a PPO. Pure fee-for-service reimbursement with no network describes a traditional indemnity plan. HMOs actually stress preventive care, so saying they cover no routine physicals or screenings is wrong.