What is a preferred provider organization (PPO)?

A preferred provider organization (PPO) is a type of health insurance plan available in Virginia. It allows you to select a network of health care providers that are chosen by the insurer. Typically the provider network includes doctors, hospitals, and other health care professionals. With a PPO plan you will have the flexibility to go to any provider you choose, however you will pay less when using a provider in the network. That is because the PPO plan has negotiated lower rates with the providers in the network. When using a provider in the network, you will pay a lower co-payment or coinsurance than you would for an out-of-network provider. Another benefit to a PPO plan is that you may not need a referral to see specialists within the network. This allows you to easily see the provider you need without having to wait for a referral from your primary care doctor. PPO plans have become more popular in recent years as they provide more flexibility than other plans available in Virginia. They can offer a good balance of lower costs for in-network care and the freedom to go to any provider without having to get a referral.

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What is a preferred provider organization (PPO)?

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