What is a PPO (Preferred Provider Organization) plan?

A Preferred Provider Organization (PPO) plan is defined by its flexibility in choosing healthcare providers. Unlike some other types of insurance plans, PPOs allow members to see any doctor or specialist without needing a referral, making it easier for individuals to access a broader range of services. This flexibility extends to the choice of providers, as PPOs often have a network of preferred providers who offer services at reduced costs. Members can still choose to see out-of-network providers, though this may result in higher out-of-pocket costs.

This structure is particularly beneficial for individuals who want the freedom to visit specialists directly or who value having choices in their healthcare providers without the constraints of a primary care physician acting as a gatekeeper.