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PPOâs allow you to see any doctor or facility in their network without obtaining a referral. 1  Additionally, out-of-network benefits allow you to see providers not in the network, but at a higher cost to you. This is important if you frequently travel outside of the provider area.
1 PPO = Preferred Provider Organization: PPOs got that name because they have a network of providers they prefer that you use, but theyâll still pay for out-of-network care. Given that theyâre less restrictive than most other plan types, they tend to have higher monthly premiums and require higher cost-sharing.