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With our PPO health insurance plans, you’ll never have to choose between flexibility and savings. You get it all, from no referrals to broad networks to competitive discounts and more. With the Aetna Open Choice ® PPO plan, members can visit any provider, in network or out, without a referral.
PPO (Preferred Provider Organization) insurance plans offer access to a large network of providers with negotiated rates. Learn about the advantages of a PPO plan.
PPO plans tend to give you more flexibility to choose the providers you prefer to visit for care. If you choose an out-of-network provider, you’ll likely pay more. Premiums tend to be higher and are commonly paired with a deductible. EPO plans generally let you see any network provider you choose.
With UnitedHealthcare Options PPO plans, you can use any doctor, clinic or facility in our national network without needing a PCP or referrals.
What Is a PPO Health Insurance Plan? A PPO is a type of health insurance plan known for its flexibility. Insurance companies contract medical care providers and health care facilities to...
PPO plans let you choose where you go for care, without needing a referral from a primary care provider (PCP) or relying only on providers in your plan's network. They typically have higher monthly premiums and out-of-pocket costs like copays, coinsurance and deductibles.
Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.