PPO

Preferred provider organizations (PPOs) generally offer a wider choice of providers than HMOs. Premiums may be similar to or slightly higher than HMOs, and out-of-pocket costs are generally higher and more complicated than those for HMOs. PPOs allow participants to venture out of the provider network at their discretion and do not require a referral from a primary care physician. However, straying from the PPO network means that participants may pay a greater share of the costs.

English
Features
¿Qué está cubierto? 

Usually comprehensive

¿A quiénes puede consultar? 

Any doctor, but benefits reduced for services outside the network.

Costo compartido al momento del servicio: 

Typically have copayments between $10 and $50, co-insurance up to a deductible.

Prima mensual*: 

Depends on cost-sharing: High deductibles usually mean lower premiums and low deductibles mean higher monthly premiums. The national montly average is roughly $600. 

Resumen: 

Good option if choice of providers is important to employees. Employees should be willing to assume responsibility for some administrative duties (such as obtaining referrals or submitting claims).

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