HOW DOES A PPO WORK?
The primary benefit of a PPO lies in the freedom and flexibility of choosing your own doctors. In addition, if staying within the company’s network of doctors, you are entitled to a discounted rate. Also, the higher deductible PPO plans tend to be priced significantly lower than HMO plans. The main disadvantage of a PPO is that x-rays and laboratory procedures will usually always be subject to the deductible of your individual plan. Deductibles can be anywhere from $500 to $5000. Therefore your out-of-pocket expenses will always be higher when you see a doctor on a PPO than on an HMO.
