How PPO Plans Work
Those enrolled in a PPO Plan will have a network of doctors, hospitals, and other various healthcare providers, including specialists, to choose from. While you may still have the option to make choices outside of your network, choosing within the PPO Plan network will cost less. For PPO Plans, you do not need to choose a primary care doctor, and you do not need referrals to see specialists.
Benefits of PPO Plans
There are several benefits to choosing a PPO Plan. Most PPO Plans also offer prescription drug coverage (Medicare Part D) as part of the plan. However, not all plans are the same, so be sure to confirm whether your chosen plan offers this benefit. Another perk of PPO Plans is that you can see a specialist without a referral. Under PPO Plans, you do not have to choose a primary care provider.