What is a PPO?

A Preferred Provider Organization (PPO) is a health insurance plan that offers a network of healthcare providers who have agreed to provide services at negotiated rates. Unlike HMOs, PPOs don't require you to choose a primary care physician or obtain referrals to see specialists. You can see any doctor or specialist you choose, but you'll pay less when using in-network providers.

Why PPOs matter

• Maximizes provider choice: Allows you to see any doctor without referrals
• Provides coverage flexibility: Covers both in-network and out-of-network care at different cost levels
• Simplifies specialist access: Enables direct scheduling with specialists without primary care approval

How Solace can help

A Solace advocate can help you understand PPO cost structures, find in-network providers to minimize expenses, and navigate claims for out-of-network services. Advocates can also assist with comparing PPO plans during enrollment periods.