What is a PPO Health Insurance Plan?
PPO (Preferred Provider Organization) medical insurance is provided by a network of private-practice doctors, care facilities, hospitals and labs that also work for an agreed set rate. As compared to an HMO, patients have more control in choosing a doctor or specialist without requiring a referral. PPO members typically pay for services as they are provided, and the PPO sponsor reimburses them for the cost of the treatment. This is seen on PPO dental plans a lot, especially if the dentist isn’t a Preferred Provider. Though members have the freedom to go outside of the PPO and will still receive coverage, they will pay more for seeing providers outside of the network. This is where you see different Tiers to PPO plans. PPOs prove their benefit to consumers by delivering exactly what consumers demand; greater choice, access and flexibility in selecting providers and medical services. PPOs have continued to grow faster and serve a far-larger segment of the market than any other health car
