PPO (Preferred Provider Organization)
Health plan with broader network and out-of-network coverage at higher cost-sharing.
Quick definition: Health plan with broader network and out-of-network coverage at higher cost-sharing.
Full explanation
A PPO is a health plan structure offering broader provider networks than HMOs, with out-of-network coverage at higher cost-sharing (no balance billing within network). No PCP referrals required for specialists. PPO premiums are typically higher than HMO premiums for similar coverage. Best fit for travelers, people with established specialist relationships, or anyone who values flexibility over the lowest premium.
📎 Primary source: official source
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