PPO plans give you flexibility. You don’t need a primary care physician. You can go to any healthcare professional you want without a referral—inside or outside of your network. Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.
Is a PPO plan right for you?
PPO plans do not require you to choose a Primary Care Physician (PCP) and do not require referrals. A PPO plan would allow you to continue your visits regardless of whether your doctor or specialist is in- or out-of-network and without a referral from a PCP. It is important to remember, that while you can receive care from any doctor, specialist or hospital you choose, you will save more money by choosing an in-network provider.