Product Learn Centers
Find The Best Insurance
We make it easy to compare and buy insurance.LEARN MORE
Everything you need to know about how PPO plans work.
A preferred provider organization, or PPO, is a health insurance plan that allows you a lot of freedom when you choose a healthcare provider or doctor.
For starters, PPO plans work with a preferred network of providers -– hence the name. But they don't limit you from seeing doctors outside of that network. Most PPO plans cover at least some of the bill at out-of-network providers. You will, however, likely pay more at out-of-network providers than at in-network providers.
Secondly, PPO plans allow you to skip your primary physician and go straight to a specialist. Unlike HMO plans, which require that you see your primary physician and get a referral to see a specialist, PPO plans let you make appointments with specialists directly and without a referral.
PPO plans may also give you access to out-of-state providers that are still considered in-network.
PPO plans tend to have more expensive monthly premiums than HMO plans, though you may pay less for other services. Additionally, the freedom to see both in-network and out-of-network doctors may be well worth the additional monthly premium if that feature is important to you.
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
Copyright Policygenius © 2014-2019