Why Does She Need a Referral? HMO vs PPO 🏥 #Shorts

She can't see the dermatologist without a referral. Why? 🤔 HMOs usually require a primary care doctor and referrals; PPOs cost more but skip referrals and cover some out-of-network care. Free Life & Health insurance practice questions, no sign-up: https://open-exam-prep.com/practice/life-health The people and scene are AI-generated. #LifeandHealthinsurance #HMO #PPO #Shorts