Health insurance companies have many options. The biggest is HMO or PPO, which is better? HMO requires you to go to a listed physician and a PPO gives you options.

Outlined below are few things to help you make a decision.

Both options serve a purpose and fill a need for each person. The key is to first determine if all of the medical issues or prescriptions are covered under the plans. Also confirm if your doctor is listed under each plan. Make sure that part is clearly stated in order for you to decide which option is better for your family. Ask your physician’s office manager as to what their opinion is of the insurance company as far as claims handling. Last, but most important, is the cost of out of pocket expenses. It is important to add up what the out of pocket expense will be for your family during a normal year of office visits. This can help when determining the best coverage for you.