A: I need information on purchasing health insurance.
B: Is this the first time you have had health insurance?
A: This is my first time buying health insurance.
B: You have a choice of HMO or PPO. Do you understand the difference?
A: I am not sure what those are.
B: Just so you understand completely: An HMO is a little cheaper, but you have limited choices of which doctor you choose.
A: If I need to use my insurance, are the payments the same for a PPO and HMO?
B: By going to the providers on the HMO list, you save money in out-of-pocket expenses.
A: Can you give me a comparison between a PPO and an HMO?
B: We can mail you a questionnaire and when we have all of your information, we will mail you a quote.