Preferred Provider Organizations (PPOs)

Preferred Provider Organizations (PPOs)

http://insureme.us/hmo-vs-ppo-other/

Members of a PPO also have a network of health care providers available to them, should they want or need them. However, members of PPOs are not restricted to the network for their health care needs. If you are a member of a PPO, you are allowed to select health care providers that are outside of the network without the need of a referral.

You will be responsible for your yearly deductible and copayments for check-ups if you obtain your health care from a doctor within the preferred network. On the other hand, you will need to pay a higher amount, and you will also need to pay the doctor directly and then file a claim with the PPO for a portion of your expenses to be reimbursed if you obtain health services from a doctor outside of the preferred network.