|Tom, Sara, or Sean|
8751 E. Hampden Ave, #A-1, Denver, C0 80231
303-782-0123, 303-782-0804(Fax), email=Contact_Us@ColoradoHealth.com
PPOs are generally a better choice if you travel a lot as they generally have wider coverage area and typically have out-of-network coverage. Some PPO's cover emergencies anywhere in the world and may even have a regular Out of Network coverage overseas. If you run into an emergency in a distant spot you may be required to pay the bill and get reimbursed.
HMOs may cover an emergency with a copay, but you generally will have to return to a local HMO doctor to get follow up care. PPOs will either have a copay or a deductible and cost sharing for emergencies. Some PPOs can be quite expensive for emergency care as their coverage for out-of-network facilities may be limited. Travel insurance may be a good option if you plan on leaving the country. It's best to talk this over with us as we can point you in the right direction.
Tom, Sara and Sean