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It's good to have choices. When it comes to health insurance, you have your choice of several plan types.
The two that are available to you on Kynect are a Health Maintenance Orgaization(HMO) and a Preffered Provider Organization(PPO).
Underterstanding PPO PLans
PPO Plans provide more flexibility when choosing a doctor or a hospital. They also have a network of doctors in which you will pay less to visit, but the plan has fewer restrictions. Meaning you may go out of the network to see a particular specialist or doctor, however the price may be a little more than a network provider.
Key features of a PPO:
An HMO plan gives you access to certain doctors and hospitals within it's own network. A network is made up of providers that have agreed to lower their rate for plan members and also meet quality standards. But unlike other insurance plan types, care is covered ONLY if you see a provider with that HMO's network. There are few opportunities to see a non-network provider. There are also typically more restrictions for coverage than other plans, such as allowing only a certain number of visits, test, treatments, etc...
Key features of a HMO: