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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 (Preferred Provider Organization): With a PPO, you receive more comprehensive benefits by using network providers-doctors, hospitals and other health care providers-that participate in the plan. You have the option of using non-network providers, but with a lower level of benefits and higher out-of-pocket costs.