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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.
PPO stands for Preferred Provider Organization. A PPO health insurance plan allows for more flexibility and more choices when it comes to your healthcare. A PPO plan offers a network of healthcare providers to choose from, and you have the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral â even when you travel.