Preferred Provider Organizations are a type of health plan that create a network of participating medical providers. Members of the PPO can receive care from any provider in the network but typically receive lower out-of-pocket costs if they use providers in the network.
The benefits of membership that PPOs offer is:
The main difference between an HMO and a PPO health plan is how care is delivered. An HMO plan delivers care through a network of doctors and hospitals pre-approved by the insurance company. If you need to see a doctor not in the network, you will have to pay for the visit yourself. A PPO plan allows you to see any doctor or hospital you want, but you will have to pay more for care if you go outside the network.
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