Preferred Provider Organization Plans
Preferred Provider Organization (PPO) Plans are commonly used by many people who wish to be able to see a range of doctors and have varying coverage in many areas. PPO Plans are classified under Medicare Part C and are offered through insurance agencies.
PPO Plans outline a list of providers that are included in the network. Beneficiaries can visit these providers without needing a referral.
Using providers not included in the network
PPO Plans always prefer that you go to a provider that is covered within the network. While you may be able to go outside of the network, coverage is not guaranteed. You should always ask what insurance is accepted when making an appointment with a new healthcare provider. If they don’t accept your insurance, it may be best to research and find a provider that will.
It’s important to be extremely aware of what insurance is accepted by your healthcare providers. You may be responsible for out-of-pocket charges if you use services that aren’t covered by your PPO insurance plan.
Benefits to PPO Plans
PPO Plans have many positive aspects, which is why they’re chosen by so many. Some include drug coverage, which can be incredibly beneficial. Because they’re offered by private insurance companies, there are more options as to what PPO Plans can provide. This makes them appealing to people who aren’t sure if Original Medicare will meet all their needs. If someone visits specialists frequently, PPO Plans can also be of special interest.