Choosing a health insurance plan can be a daunting proposition. The key to getting the best kind of healthcare coverage for you and your loved ones is knowing what your options are. PPO plans, or "Preferred Provider Organization" plans, are one of the most popular types of plans in the Individual and Family market. These plans allow you to visit whatever in-network physician or healthcare provider you wish without first requiring a referral from a primary care physician.
PPO stands for preferred provider organization. If you apply for a PPO health plan, you’re not required to follow any strict guidelines when it comes to receiving medical care. For example, you don’t need to choose a primary care physician (PCP) who you’ll visit regularly.
Under a PPO health plan, you’ll have a network of healthcare providers who participate in your plan. But you can technically see any doctor regardless of whether they’re in your network. That means you would have access to more healthcare professionals than you would under a standard HMO health plan.
PPO plans are generally more flexible than HMO (health management organization) plans are. If you want to see a physician or visit a hospital that you found on the Internet, you won’t need a referral from a PCP.
Since you’re not obligated to visit the specialists or medical facilities within your network, it’ll be easy to find a doctor if you need one while you’re traveling outside of the country or visiting another state. Your PPO health plan can pay for your medical services even if you’re outside of your network.
However, in exchange for these benefits, you’ll likely pay more for your health insurance than you would with an HMO. So think about your healthcare needs, your lifestyle and your financial situation. A PPO healthcare plan may just be worth it for you, giving you the freedom to choose from a wide field of doctors — whether they be in-network or not.
Give us a call today to find out more about PPO plans and if they are right for you.
April 20, 2020