PPOs (Preferred Provider Organizations)

A Preferred Provider Organization (PPO) is a type of health insurance plan that offers flexibility in choosing healthcare providers. You can see any doctor or specialist without needing a referral, but you save money by visiting providers who are in the plan’s preferred network. When you use in-network providers, your costs are lower because the insurance has negotiated better rates. If you go outside the network, you might pay more. PPOs balance choice and cost, making them popular for people who want flexibility and comprehensive coverage without strict restrictions.