Preferred Provider Organizations (PPOs)

Preferred Provider Organizations (PPOs) are a type of health insurance plan that allows members to see any doctor or specialist without needing a referral. PPOs have a network of preferred healthcare providers, and if members choose these in-network providers, they pay lower out-of-pocket costs. However, they can also see out-of-network providers, though at a higher cost. This flexibility makes PPOs popular with those who want more choices in their healthcare while still enjoying some savings. Overall, PPOs balance between cost and access to a wide range of medical services.