What is a key feature of a PPO plan?

A key feature of a PPO (Preferred Provider Organization) plan is that it allows for more flexibility in choosing healthcare providers. This flexibility means that participants can see both in-network and out-of-network providers without needing a referral. While using in-network providers typically results in lower out-of-pocket costs, members aren't restricted to a specific list of doctors or hospitals, making it easier to access a wider range of healthcare services.

This aspect of PPO plans contrasts with other plan types, such as HMOs (Health Maintenance Organizations), which require members to use in-network providers and often necessitate referrals for specialist care. The allowance for out-of-network visits without a referral is a significant selling point for many consumers who value their ability to choose their healthcare providers and manage their care without bureaucratic obstacles. Therefore, the flexibility offered by PPO plans is a primary reason why many individuals select them over more restrictive options.