What is PPO?
PPO stands for Preferred Provider Organization. PPO allows patients to see a specialist without a referral from a Primary Care Physician. They have a wider range of doctors to choose from. The direct access to specialists is good for people who have chronic illness, or in case of urgent care and emergencies. Patients can get appointments with their preferred specialists as and when required. Usually, a PPO will pay a greater percentage of the cost for a preferred provider, and less for a non-preferred provider. Advantages of PPO: • Patient can visit any doctor and hospital. They are categorized as preferred and non-preferred providers. • PPO covers all preferred providers according to their policy. Disadvantages of PPO: • For all non preferred providers PPO covers only 80% of all the expenses, depending on your insurance company rules. And rest has to be paid by you.
