PPO Health Insurance Plans
PPO Healthcare Plans
PPOs, or Preferred Provider Organizations, have affordable premiums and deductibles – however, they offer more flexibility to see any doctor you want and don’t require a referral from your primary care physician to see a specialist (as is required from an HMO). Under a PPO, out-of-network costs are covered, but at a lower rate than in-network costs.
Health Insurance Plans
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How does a PPO plan work?
- Insured members pay a co-payment at the time of each medical service.
- Each person will also have a yearly deductible to pay out of pocket before the insurance company will start paying medical fees.
- Insurance usually pays a percentage of the medical fees (often 80%) for the in-network doctor.
- If the person wants to see an out-of-network doctor, he/she may do so without permission.
Advantages of a PPO Plan
- Flexibility to seek care without a referral from your primary care physician.
- Prescription services which provide prescription drugs at a reduced cost
- There is a large network of medical providers representing large geographic areas.
- Flexibility to see out-of-network providers at a lower cost.
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