It may not matter if the health insurance plan is an HMO or PPO since both plans may have medicine coverage. You may try to look at different insurance companies which one will best serve your concerns. Regardless of whether it is an HMO or PPO plan, the insurance company usually pays 95% of the coverage and you will pay 5% co-pay. One of the preferred companies by some policy holders is the Blue Cross Blue Shield because of their good prescription medicine coverage. The most basic difference of an HMO plan and a PPO plan is that in an HMO plan you have to go to an in-network provider and just shoulder the co-pay specified in the plan. While with a PPO plan, you have the freedom to choose the provider. Also, with a PPO plan, when you use a non-network health care provider, you may have to pay the necessary deductible and co-insurance. Although, it is usually cost-efficient if you use network providers with either the HMO or PPO. There were some instances that pre-eisting conditions, such as epilepsy, are denied insurance coverage. Most insurance companies consider this as a high-risk. You should be more concerned if the insurance company will accept you more than if the plan is HMO or PPO. Sometimes, the prescription drug coverage is almost the same for both HMO and PPO plans and may also vary for every company. If you are in a Small Business, you can ask your employer on the specifics of the medicine coverage. -- June 19.2009@11:29 am