Determine estimated total costs for the HMO and PPO. Include the cost of coverage plus out-of-pocket costs. Out-of-pocket costs include all fees for care, including deductibles, copayments or coinsurance. Refer to employer-provided enrollment materials or contact a health plan company directly to obtain cost information.
Check out quality information about the HMO's and PPO's processes, systems and care. Sometimes employers include access to this information via enrollment materials or tools. It is also available through the National Committee on Quality Assurance (NCQA) web site.
Think about coverage needed and compare plan benefits. For example, if a covered individual needs chiropractic treatment, look at how both plans cover care and potential limits. Copays and the number of visits covered per year may vary by plan.