A: I am calling to purchase health insurance.
B: Do you have health insurance now?
A: I was on my parents’ policy, but I need to start buying my own.
B: You can purchase an HMO or a PPO. Do you know what you want?
A: I don’t know what I want.
B: Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors.
A: When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO?
B: The payments are a little lower for an HMO as long as you go to their doctors.
A: How much will a PPO cost me per month?
B: We need to factor in many things. Why don’t you come in, and we will have you fill out a questionnaire.