I am turning 65 in august, have been on disability for last 16 years, now I am able to get insurance, I don't get lot in my payments so I am looking at an HMO and PPO. In my area there are only 4 that I can get. I am going crazy trying to figure which is best fo me. The PPO doesn't require a referral to specialist and the HMO does. The only HMO is secure horizans aarp classic or something like that, anyone have any suggestions