Preferred Provider Organization Health Care ...
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PPO (Preferred Provider Organization) Coverage:
A cross between traditional fee-for-service and an HMO. Like an HMO, there are a specific doctors and hospitals to choose from. In a PPO, though, it is possible to
use doctors who are not part of the plan and still receive some coverage. This type
of plan is well suited for individuals who want an HMO style prepaid plan, but want to
use a doctor that is not part of the network. As with HMO's, these plans are geared towards preventative care and include a broad range of services.
A PPO is basically a health care organization composed of physicians, hospitals, or other providers which provides health care services at a reduced fee. With an HMO you pay in advance in the form of a scheduled fee. PPO's are a "pay as care is received" type arrangement. Visits within the provider network only require a small fee. After any visit, the policy holder must submit a claim, and will be reimbursed for the visits minus his/her co-payment. The PPO allows for greater flexibility than the traditional HMO because the policy holder can visit out-of-network professionals, even though at greater expense.
There are so many health care providers competing for your dollars that it is important to do your homework before settling on a provider. We here at HealthInsureCoverage.com want to assist you with your quest to find the best value for your health care dollars and we provide the following link for your research convenience:
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