HMO vs. PPO: What You Need to Know — A Desert Oasis Healthcare Panel Discussion

A panel of Desert Oasis Healthcare experts — including Dr. Brian Hodgkins, Melissa Diaz, Megan Guerra, and insurance broker Brian Bilhartz — breaks down the key differences between HMO and PPO plans for working-age adults. Topics include care coordination, referrals, out-of-pocket costs, network access, the myth of PPO flexibility, and why managed care typically leads to better health outcomes and lower overall costs.