[chachacha]

The benefits from Preferred Care Partners and Freedom etc are tempting but i am sticking with my PPO because if something serious happens, i want to be able to go to Shands in Gainesville which is considered our best hospital, and even though it is out of my network, at least part of my bill would be paid, whereas i don't think ANYTHING would be covered under an HMO which is out of network. Am i correct about this or am i misguided?