Health Insurance Options – Pros and Cons

PPO – Prepared Provider Organization 

Pros: allow a member to see any doctor they want without the need for a referral. If you consulted a doctor who is affiliated with the PPO, they offer reduced fees to members.  

Cons: PPOs offer a reasonable bargain if you avail of the services of their affiliate doctors but a member who often sees doctors outside of the list may have very high healthcare costs.  

The PPO offers the client a wider network of providers and a doctor who is part of a specific plan’s HMO will likely be part of their PPO, and are generally well-priced.