Preferred Provider Organization (PPO) policies are chosen by many because they allow for some flexibility. PPO policies will always cover the most when a beneficiary seeks coverage within the network. However, it is possible for coverage to still extend when the beneficiary decides to go out-of-network. You just may pay more if you receive care outside of the plan’s network.
There are a few other key features of PPO plans that are important to be aware of before you enroll. For example, most PPO plans will not require you to get a referral to see a specialist. This also means that they don’t require you to select a primary care doctor.