Ever wonder the difference between an HMO and a PPO in health insurance land?

Both have in-network versus out-of-network lists of doctors, where out-of-network is always more expensive. πŸ‘©β€βš•οΈπŸ‘¨β€βš•οΈ

The big difference lies in the role of your primary care provider (your GP, your main doctor). In an HMO, you have to get referrals from this person or otherwise you pay BIG BUCKS.