A PPO (Preferred Provider Organization) health plan allows you to see any provider, in-network or out-of-network. Out-of-network care costs more. PPO plans do not require a primary care physician or referrals for specialists. PPO plans typically have higher premiums than HMO plans.
Key Points
- PPO allows in-network and out-of-network care
- Out-of-network care costs more than in-network care
- No primary care physician requirement
- No referrals required for specialists
- Higher premiums than HMO plans