Preferred Provider Organizations (PPO)

Preferred provider organizations (PPOs) give members a financial incentives and reasonable co-payments to stay within the group's network of providers.

Here are PPO advantages and disadvantages :

PPO advantages :

The standard co-payment is $10 for a routine office visit during regular hours.

You may go to any specialist without permission, as long as the doctor participates in the network.

PPO disadvantages :

If you see an non-network doctor, you might have to pay the entire bill yourself, and then submit it for reimbursement.

You might have to pay a deductible if you choose to go outside the network, or pay the difference between what network doctors and out-of-network doctors charge.

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