Christidea

Most agents don't sell both types of policies. Actually, HMO health policy is a massive bargain. A landlord policy will cover the property only, not the valuables.
But only if you can live with these limits and reductions in care, a PPO or even HMO may well offer you great value.

One way is decrease your premiums, may can try this with a few simple changes.
Some of these perks could be useful, on the other hand are loads of cash important and some are too expensive.