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Many Americans get health insurance through their employers. Others look for coverage through the state health insurance marketplace. If you are part of an employer’s group plan, a preferred provider organization (PPO) is often one of your choices.
Here are some key things you should know about PPOs.
If you can participate in a PPO and are worried about high health care expenses, a PPO might be right for you.
If you rarely go to the doctor and have no health concerns, then you may decide to buy a plan with lower monthly premium payments. Think about your current health care needs and finances before making a decision. When you choose carefully, it can help you save money.
Just remember, it’s smart to weigh a PPO’s higher monthly premiums along with copays for tests and doctor visits. On the other hand, a PPO offers more coverage. You also pay less at doctor visits and when you have hospital stays, surgeries and costly medical tests.
Compare features and choose the best health insurance plan for your needs.
Originally published 6/14/2016; Revised 2021, 2022, 2023
Blue Cross and Blue Shield of New Mexico, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
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