HMO Vs PPO+ Beyond: Assessing The Different Types Of Health Insurance Plans

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Preferred Provider Organization (PPO)

Group of doctors talking at the hospital

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A PPO is considered to be the plan that offers the most freedom. You do not need a referral from your PCP to see a specialist, and you can enjoy coverage for out-of-network doctors – but in-network doctors will be the most affordable. There is also typically a much larger network of providers and hospitals in a PPO compared to other plans.

Pros: No PCP referrals required for specialists. Large network of providers.

Cons: High premiums.

Who is it good for? A PPO might be the best plan for someone dealing with health issues who needs to see doctors frequently, and sometimes urgently. It is also a smart plan for those whose preferred doctor is out of network.

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