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Affordable PPO Health Insurance
A PPO, or Preferred Provider Organization, is often a little more expensive than an HMO but allows patients more choice and ease in seeing doctors and specialists. Instead of using a primary doctor and getting a referral for every specialist, a patient with a PPO can choose any doctor in the plan’s network any time.
PPO plans are the second-most common plans in the U.S. enrolling nearly 62 million people in 2009. Like HMOs, they are considered a managed care plan, where administrators decide on what services will be covered, in what amounts.
PPO plans are often offered to patients with pre-existing conditions, who cannot qualify for an HMO. They’re also useful to people with chronic conditions that want to be able to choose their own specialists and dislike the limitations that come with an HMO plan. PPOs may also have lower monthly premiums, but they may be more expensive because they also have a deductible that must be met before the plan covers certain services.
The PPO Health Insurance Network
Like HMOs, PPOs operate with a network of doctors, specialists, and hospitals. However, instead of having a regular physician, who controls your referrals to all specialists, patients with a PPO can choose which doctor to see. So, if you don’t need to see your regular doctor but want to talk to a podiatrist for example about getting custom arch supports (or whatever your case), you don’t have to go see your primary doctor to ask for the referral – you can just go to see the specialist.
PPO patients also have more flexibility to go see doctors outside of the network. Their fees will be slightly higher to see an out-of-network provider, but this allows more choice and possibly better care, since you can go to the doctors you prefer.
PPO Plans Have Different Deductibles
PPO Plans vary in the types of deductibles they offer. Some offer separate deductibles for different services. For example, the first doctor’s visit each year may be exempt from the deductible for health care services, and some plans have a separate, lower deductible for prescription coverage from the deductible that applies to doctor’s services. This may help you cover costs depending on what sort of coverage you expect to need most often.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
