• Why Do I Need Health Insurance?
• What to Look For in Healthcare
• Saving Money On Healthcare
• Blue Cross Blue Shield Plans
• Why Blue Cross Blue Shield?
• Health Savings Accounts
• Short Term Plans
• Dental Care
• Insurance For Students
• Insurance For Small Business

• Term Life Insurance
• Why Choose Term Life?
• What to look for in Term Life

• Finding the Right Rx Drug Plan
• Do I Need Medicare Supplement?
• Save Money on Prescription Drugs
• Medicare Part D
• Medicare Supplement
• Long Term Care

What Is a Preferred Provider Organization (PPO)?

A PPO is a managed care plan that creates a “network” of doctors, hospitals, and other healthcare providers. The network offers discounts for their medical services in exchange for patient referrals from the PPO.

Because the healthcare providers receive referrals from the PPO, they can charge lower prices for the care they give to plan members. That means you get lower premiums, deductibles, and co-payments than traditional plans. The lower costs make health insurance more affordable for you.

Using A PPO

To keep your coverage, you’ll be responsible for your premiums, co-payments, and the yearly deductible. And your PPO plan will usually cover around 80% of the fees on medical bills.

You'll save the most when you use healthcare providers within the PPO’s network. And although you'll still be covered if go outside of the network for care, the plan will cover less of your medical bills. Your medical costs will be lower if you stay within the network.

PPOs Differ From HMOs…

Unlike an HMO plan, a PPO plan lets you receive care outside the network and still have coverage. You’re not covered under an HMO if you go to an outside healthcare provider. Many people choose PPO plans because of this flexibility.

When you’re ready to find an insurance plan that is right for you, use our fast and free quote service and we'll help you make an educated and affordable choice. Or you can learn more about PPO plans…