Comparing Healthcare Plans

Preferred Provider Organizations

Preferred Provider Organizations (PPOs) are not nearly as strict when it comes to in-network care, though customers would still be wise to stick to in-network providers when possible. As far as direct cost in terms of premiums and copays, PPOs are at the higher end of the spectrum. However, the 'you get what you pay for; dictum applies here since the higher cost is offset by no referral requirement and generous coverage for in-network providers. Even out-of-network providers, though not covered to the same extent, are provided some cost-offset measure in contrast to the 'all or nothing' approach of EPOs and HMOs.

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