PPO Health Insurance

There are so many types of health insurance to choose from, it’s no wonder people often feel helpless about it.

At InusranceUSA.com we provide you with thorough and up-to-date information on all types of health insurance.

Typically, health insurance can be divided into two overarching categories: traditional and managed care. These can further be broken down into four basic plan types:

  • Traditional indemnity health insurance; now often called Fee-for-Service (FFS) plans.
  • Preferred Provider Organization or PPO
  • Point-of-Service or POS
  • Health Maintenance Organization HMO

Preferred Provider Organization

Preferred Provider Organization (PPO) plans are an affordable and popular option for family health insurance because they are comprehensive and flexible. You will save money covering your family when they use preferred network physicians but a PPO also provides you with coverage on out-of-network doctors as well.

PPO health insurance allows substantial discounts from providers who are within the network. Unlike HMOs, PPO health insurance typically offers coverage with a deductible and coinsurance rather than a co-payment. Deductibles must be paid before the insured’s benefits take effect and then the co-insurance benefits apply.

PPO health insurance is usually the least expensive of managed care health insurance because the patient picks up a substantial portion of the “first dollars” coverage.