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Choosing health insurance can be confusing, so here’s the simple breakdown: HMO = Lower cost, less flexibility You stay within the plan’s network, choose a primary doctor, and need referrals to see specialists. PPO = More flexibility, higher cost You can see doctors in or out of network and you don’t need referrals for specialists. If you want to save money and don’t mind staying in-network → choose HMO If you want more freedom to pick any doctor → choose PPO #learnontiktokcontest #educatoraward
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