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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): A type of health plan where you pay less if you use providers in the planâs network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.oint of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the planâs network.