Preferred Provider Organization (PPO)
Generally with a PPO plan you are allowed more flexibility and choices when it comes to your healthcare. Usually you are given a network of healthcare providers to choose from which allows you to choose an in- or out-of-network doctor, specialist or hospital. In most cases a referral is not needed. Your out-of-pocket costs are greater generally if you see an out-of-network-doctor. Also, your monthly premium will tend to be higher.