PPO – Preferred Provider Organizations

A preferred provider organization (PPO) is the form of managed care closest to an indemnity plan, which typically allows you to see any doctor, any time. A PPO negotiates discounts with doctors, hospitals and other providers, who are part of the PPO network. By going to network doctors and hospitals you receive significant discounts on your medical care (20 – 50%).

A big advantage of a PPO plan is you have the choice of going to any doctor. When you see a physician out of network, you will pay significantly more than you would using a PPO provider.

For individuals and small groups, PPO plans are usually less expensive than HMO or indemnity plans. This combined with ultimate freedom to choose your doctor is why most choose PPO plans.

 
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