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But generally a CIO is responsible for technologies that run a business internally while a CTO is responsible for technologies that grow the business externally. An article from Oracleâs ProfIT magazine explains the distinction between the two roles in larger organizations.
How out-of-network care is handled is the biggest difference between an HMO and PPO, but over time, that difference is blurring as more HMOs allow for some out-of-network benefits, and more PPOs decrease how much they'll pay for out-of-network visits.