如果change a HMO plan to PPO paln，哪些benefit relativities会impact？I was
asked this question during the interview
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2
PPO has out of net work benefit worth about 5% of total cost.
No gate keeper in PPO leading to higher utilization in certain services,
worth another few %.
HMO typically has more capitated services than PPO. This can impact the cost
depending on the contract.
Utilization dampening curve on deductibles is usually steeper in PPO than in
HMO.
