Preferred Provider Organization (PPO) A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network.
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- There is no need to choose a primary care physician with a PPO program, so that gives employees a little bit more flexibility when choosing healthcare.
- Employees also have the option of going out of network for care as well, which is not an option in some other types of plans.
- One of the biggest benefits is that there is very little paperwork for both the employee and the employer.
- For employees, a PPO is one of the higher cost options. That does not necessarily mean the employer will pay more, but it could have that implication.
- Employees may need pre-authorization for certain types of care, and this might be something that the employee would have to handle themselves.
- If the employee needs to move out-of-network, then costs can add up quickly.