pooch,

i couldn't agree more with dej's assessment.

i generally don't care for HMO's. they live and breathe to keep their costs down.
of course it really depends on what your needs are and what you can afford.
PPO's give you a bit more freedom and choice.

but, investigate both. they will also both send you their paperwork.
also, ask for their websites and you can read and compare their rules.

the pharmacist is a great idea. if you are on a lot of meds and HMO just might not cover your needs.