Is it actually cheaper to go with an HMO or a PPO if I need weekly physical therapy starting this week and want to avoid prior authorizations?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it actually cheaper to go with an HMO or a PPO if I need weekly physical therapy starting this week and want to avoid prior authorizations?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
California health insurance physical therapy prior authorization HMO PPO outpatient physical therapy rules 2026 official Google ↗
California physical therapy direct access insurance prior authorization health plan official Google ↗
- Bill Text: CA AB931 | 2023-2024 | Regular Session | Amended · legiscan.com
- AB 574: Prior authorization: physical therapy. · calmatters.digitaldemocracy.org
- dmhc.ca.gov · dmhc.ca.gov
- dmhc.ca.gov · dmhc.ca.gov
- California Business and Professions Code § 2620.1 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California health insurance physical therapy prior authorization HMO PPO outpatient physical therapy rules 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
California physical therapy direct access insurance prior authorization health plan official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |