Preferred Provider Organization (PPO)

A Preferred Provider Organization (PPO) is a type of health insurance plan that offers more flexibility in choosing healthcare providers. Members can see any doctor or specialist, but they save money by using providers within the PPO network. When visiting network providers, costs like deductibles and co-pays are typically lower. If members choose to see out-of-network doctors, they can still receive care, but at a higher cost. This structure allows for greater choice in healthcare while managing expenses, making PPOs popular among those who want both flexibility and some cost savings.