PPO

A preferred provider organization (PPO) is a healthcare benefit arrangement designed to supply services at a discounted cost by providing incentives for members to use designated healthcare providers who contract with the PPO at a discount. Preferred Provider Organization (PPO) plans are the number one choice for millions of Americans.

PPO plan gives you freedom of choice, flexibility and a broad range of benefit options. With the PPO product:

• There is no need to select a primary care physician; you can choose a doctor whenever you need care.


• You do not need a referral to see a specialist or to get another opinion about a medical condition.


• The choice of doctors and hospitals is always yours.

• Doctor office visits


• Inpatient hospital services


• Outpatient hospital services


• Maternity care


• Hospital emergency medical and accident treatment

Preventive Care

Coverage may also include preventive care benefits for well-child and adult care, including:

• Physical exams


• Diagnostic tests


• Immunizations

• There are no claim forms to complete.


• There are no up-front payments for medical services (except for copayments) and charges for non-covered services.


• There’s no balance billing—network doctors and hospitals accept insurance companies’ negotiated rates.

California

Colorado

Nevada

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