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level 1. [deleted] · 9 yr. ago. Practically speaking, the primary difference between an HMO and a PPO is how you're able to get care. HMO: You have a primary care physician (PCP) who you have to go to for everything. If you need specialized care beyond what your PCP can offer, you still have to go see the PCP and get a referral. With the Aetna $15 Copay per prescription (retail) $15 Copay per prescription (retail) -preferred brand drugs prescription (retail) $15 Copay per prescription (retail) Specialty drugs $15 Copay per prescription (retail) $15 Copay per prescription (retail) If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 10% Coinsurance.
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