PPO plans let you see any provider, with lower cost-sharing if they're in-network. No referrals required for specialists. Premiums are higher than HMO, but flexibility is unmatched.
What it costs
Your premium depends on your age, your health, your ZIP code and which carriers are available where you live. We will not guess at it. Call (714) 922-0043 and we will run real numbers for your situation, at no cost.
How PPO plans work
- 01
No PCP requirement.
- 02
See any provider - in-network providers cost less.
- 03
Out-of-network care covered at a higher cost-share.
- 04
Higher premiums, higher deductible than HMO.
Pros
- • No referrals needed
- • Out-of-network coverage
- • Larger provider universe
Cons
- • Higher premiums
- • Higher cost-sharing on out-of-network care
- • Easy to inadvertently visit non-network providers
Best for
- Travelers
- Families with specialists outside one network
- Buyers who value flexibility over price