Explore Flexibility with a PPO

A Preferred Provider Organization (PPO) plan offers flexibility, allowing you to choose your healthcare providers, though typically at a higher cost than an HMO.

You can visit any in-network healthcare provider without needing a designated primary care physician (PCP) or referrals for care.

Out-of-network services, including specialists, are also accessible without a PCP referral. However, while PPOs do provide some coverage for out-of-network services, they often come with higher out-of-pocket costs.