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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.
preferred provider organization (PPO) an organization of physicians, hospitals, and pharmacists whose members discount their health care services to subscriber patients. A PPO may be organized by a group of physicians, an outside entrepreneur, an insurance company, or a company with a self-insurance plan. See also health maintenance organization.