Whats the difference between hma and ppo for insurance purposes and which one is better when buying a plan?

Answers: I'm guessing you meant HMO? Usually with an HMO, you own to go to the dr. that's on their list/in their network. The benefits are it's cheaper, usually with the sole purpose have to pay a 10. co wages for office visits. But, if you want to see a specialist, you have to first go to your primary dr. and enjoy him refer you to the specialist. This is usally the cheaper plan for most people/families. Drawbacks, your stuck with the drs. on their list, if your current dr. isn't on the catalogue, too bad. I remember when we changed insurance companies at work, I ended up losing roughly speaking 3 good drs. because they wouldn't work with our insurance company.

PPO's are unanimously good for single people, that are quite healthy. You can go to any dr. you want, in need a referral, but you'll pay a higher co compensate, usually 25. per visit. You're not as restricted basically.

That's merely been my experience with them. Either road, insurance companies suck :)

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